davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (VA)

On Saturday, XX/XX/XXXX at XXXX, I received an alert from Experian that a hard inquiry was added to my credit report from XXXX bank in Texas . Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the Experian credit bureau to dispute this hit to my report. Additionally, I contacted XXXX 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.
Consumer complaint received 2021-07-26
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. (CA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (MD)

On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

We are in the midst of a loan modification ( mailed XX/XX/19, emailed XX/XX/19 and mailed again XX/XX/19 ) and today received notice of foreclosure and scheduled sheriff sale!!! I thought this was not legal?! We are in the midst of the modification and I have been actively communicating with PHH. I let them know the paperwork was coming more than 7 days ago ( the day it was first put in the mail ), resent by sending scanned and emailed the documents on XX/XX/XXXX and then put them in the mail *again* today XX/XX/19. PHH is dual tracking. They are predatorily pushing us out of our home and wreaking havoc on my family. 
I have already submitted a complaint about their unfair and incorrect attempt at ignoring our original loan modification, which was approved by Ocwen before PHH took over. That is a separate complaint ( XXXX. ). They required us to re-apply for the modification after I spent 5 months trying to correct the problem, which was their mistake and was met only with calls they had me on hold for up to two hours! 
XXXX And now they are pushing us out while we are applying for a new modification ( and they know full well that our circumstances have changed and will make it harder for us to get approved for a modification! ) Please please help get this company on the straight and narrow. Please help us save our home. We are not without money, we are honest hard working people who have suffered great hardships and have tried to kept an open dialog with PHH. 

I have attached the notice of the Sheriff sale from today 's mail. I have also attached the a a c t i v e mortgage modification application
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (NY)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX
Consumer complaint received 2019-10-17
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)

Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization
Consumer complaint received 2022-06-14
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (AL)

On XX/XX/XXXX, my son passed away. In early XX/XX/XXXX, I contacted the mortgage holder, SunTrust, to begin the probate process in order to prepare to either sell the house or retain the house for his sister. A customer service representative said they would mail me a package of forms to complete. After waiting a couple of weeks without receiving the package, I followed up. The customer service representative said they needed a death certificate which we faxed to them. Still no package, called again, customer service representative said there was not record of receiving the fax and they needed death certificate and probate letter in order to send the forms. Still no package of forms. Repeated calls, no response. After we closed bank account and auto draft payments stopped we received letter addressed to my son that account was delinquent and a home preservation client representative had been assigned and he was instructed to call or email her. Telephone number provided was not reachable by direct dial had to go through customer service to leave message. Multiple voice mails and emails were unanswered of a 4-6 week period. Letters continued to come. Finally notice of foreclosure from an attorney firm. Talked with the legal firm, they could not provide us a contact. We finally got a call back from the home preservation client representative. She said she would send a package of forms for us to fill out to stop the foreclosure sell and allow us to sell the home in order to regain the equity. She asked us to send the death certificate and probate letter again. We did. Two weeks, no packet. Left message. She called and said did not receive death certificate. We provided the receipt number documenting it was received by her company. Six weeks, no packet, no return call from messages left, no emails answered. Foreclosure attorney continues to move forward with foreclosure sale. We need someone to stop this sale, provide us the paperwork so that we can put the house on the market and sell it. We need time to sell the house. We just recently received the payoff amount from the foreclosure attorney. SunTrust would never provide that to us. My grandson wants to try and buy it but he can not do so in the time remaining.
Consumer complaint received 2019-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

My husband was on medical leave post surgery and we asked for assistance with the mortgage to be able to afford or lower the payments temporary during his 3 months leave. Mr. Cooper said we could do a loan modification. 

Mr. Cooper mortgage company told us they would modify our loan and we had the option to make payments or not while we were waiting for them to process it. During the process we missed the three payments which total about 6,000 .Understanding we had at the time a total income of XXXX a month so, when he went on leave it dropped by half until he began receiving 60 % of his income from his XXXX XXXX leave. 

The problem is Mr. Cooper failed to disclose the full details of the modification and didnt explain in detail. We were explained and to our understanding that the payments were going to be moved to end of the mortgage loan. In reality, we were taking out a second mortgage with a different lender. We were not explained this part of the modification. We only found this out when we went to take the equity out to do repairs and remodeling. It was then that we found out that we had two mortgage loans.We had the opportunity to read the contract with little understanding of what were signing. It was our mistake not seek help to assist us in understanding the paper work. 

We trusted our mortgage company and didnt know the correct question to ask to get the answers we needed or to disclose this information. We did not get any money out of it. The second mortgage was a sum total of XXXX that was distributed by Mr. Cooper mortgage company to were they designated it to go.Now we have this mortgage that we cant do anything not even sale the home until that second mortgage is paid up front. 

However, It paid the missed payments but if we had known we wouldnt have done that, we couldve made partial payments and excepted the late fees or let something else become delinquent or found other ways to pay. We were not totally broke we still had my income. I was still employed full time.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello I already disputed these inquiries via phone last month this is going on months having my data on my credit report inaccurate please remove all inquiries
Consumer complaint received 2021-04-14
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. (MD)

On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (UT)

This is for Elan Financial Services. In XX/XX/2019 I opened a card with Elan. First, they have astronomical fees that were not disclosed. I looked everywhere, there are no signs of any explanation. 

But the most important and alarming complaint : I attempted to link my XXXX XXXX XXXX XXXX account to them. Not only did they reject the account number on XX/XX/XXXX ( which I can live with ), but the letter they sent said they sent my payment back to them!??? If it's the wrong account number how in the world could they send it back?! It gets better. My payment didn't come from that credit union! So they took my {$400.00} payment on XX/XX/XXXX, from my XXXX XXXX  account, and they SENT IT BACK TO THE *WRONG* credit union account , which they already told me was " wrong ''! 
Anyone would freak out by this, so I instantly called them. The girl that answered was polite and agreed it was odd, and she suggested I file for a trace. Which I did. I supplied all the necessary documentation. They completely disregarded what I sent them and said the proof I sent was about my payment. 
YES! I KNOW! WHERE DID IT GET SENT TO!? 

I have a right to know where they randomly sent my {$400.00}, but I don't trust this company to help me get it back. I called again, and asked to talk to a manager. I couldn't believe it, the manager was less knowledgeable and more ignorant than the front line reps. He was incredibly rude. He also refused to look into my situation, and kept asking me over and over if I felt like he was giving bad customer service, in response to my questions. He was very confrontational and immature. 

That is only part of it. I DID link my XXXX XXXX  account to this card, XXXX same account my first payment came from. The one they sent to the " wrong '' bank ). Anyhow, I set up regular payments to pay at a set time every month, but they don't work like that. For 3 months in a row they took a random amount they chose ( all 3 different amounts, all at different times of the month ), to pay that bill. I only keep enough in there to pay the bill when it pulls, but they picked their own times and increments. And sure enough, they ALL got returned for insufficient funds! Again, all different fee amounts. 
It shows that the bills were paid online. Which is wrong. Plus I'm the only one who has access to this card. And my experience with them is, it won't do me any good. 

I've only had this card for 5 months and it's literally been XXXX. 

I'd really like, more than anything, to know what they did with my initial {$400.00}. 
And I'd like to know how they justify treating human beings so horribly.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

capital one keeps reporting negative remarks on my accounts to the credit bureaus. They keep saying that I initiated a dispute, investigation completed, and consumer disagrees and this is simply not the truth. 

My two capital one accounts are closed. At one point the payments were late but never missed as I always paid something. I closed these accounts and enrolled them into a debt management company so that Capital One would be paid. I could have walked away from the debt but did not do so. But Capital one says that I have disputed my accounts and that is not true. The only thing I have ever disputed are these false, misleading remarks that they keep placing on my credit files. 

I am trying to get a mortgage and this is impacting my ability to do so. Why must capital one do this to me? Are they upset that the interest rate got reduced when I submitted my two accounts to be handled by this debt management company? Are they not happy that the accounts are being paid on time each month? 

Why are they intentionally trying to hurt me by posting these remarks that are not true on my credit reports. They are intentionally trying to get me turned down for a mortgage for my family. I have asked them in the past to stop this, they called me and said that all remarks would be removed but this was a lie. I am filing this complaint to have the CFPB help me. I am attaching a copy of the credit report to show proof of their unprofessional conduct. My next step is to file a State Attorney Generals complaint against them if they refuse to honor my request.

They are intentionally reporting these false, derogatory remarks on all 3 credit bureau reports and it needs to stop. This is getting out of hand that they are doing this to me.

I could simply stop paying them and let the debt go into a write off status for them and not let them get one single dime moving forward but I do not want to do that but they are leaving me no choice. If the remarks are not removed and kept off moving forward the Colorado State Attorney Generals office will open an investigation. 

Account numbers XXXX XXXX
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I filed a complaint in XX/XX/XXXXabout this company and their poor business practices. They acknowledged that they made a mistake, had incorrect information and had corrected the mistake with the credit bureaus. After they acknowledged the mistake they RECONFIRMED THE DEBT in a XXXX  dispute! This is the worst type of collector, one that doesn't even make an effort to establish whether disputes are legitimate debt or mistakes, they just automatically confirm it with no investigation. Twice. 

My complaint : In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/XXXX speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX   or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for 5 minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors. 
Waypoint response I appreciate Mr. XXXX reaching out in regard to this matter and apologize for any inconvenience and/or frustration that he may have experienced because of it. Waypoint Resource Group was assigned this account to perform third party collections for its client. Upon researching the account, Waypoint discovered that it likely had incorrect contact information on its actual customer and had contacted Mr. XXXX  in error. Upon discovering the error, the credit bureaus were notified to delete the Waypoint tradeline from his credit report. XXXX  was notified XX/XX/XXXX. XXXX  and XXXX updates were processed XX/XX/XXXX. Again, Waypoint apologizes for the error. Should there be any further questions, Mr. XXXX  is urged to contact Waypoint at ( XXXX ) XXXX to discuss.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (NC)

I have reported fraud and identity theft since XX/XX/XXXXand currently still having this problem registered with the FTC and all credit reporting agencies and federal agencies. Thought my search to recover my identity and hopefully locate over 1 millions plus in my life savings and settlement monies. I obtained on XX/XX/XXXX numerous copies of cancelled checks from XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX. 
I am requesting wells Fargo aka XXXX XXXX aka XXXX  XXXX to identify the holders of these accounts of bank markings as follows and attached to this report # 1 check for {$56000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents XXXX XXXX XXXX, NC XXXX XXXX <XXXX> # 2 check for {$3300.00} XXXX XXXX XXXX XXXX  and XXXX XXXX dollars and no cents This will further assist my recovering from identity theft. And as per wells Fargo request that I give them pertinent account numvers for them to review and assist me XXXX XXXX XXXX, NC XXXX XXXX