davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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. (WA)

My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report
Consumer complaint received 2022-07-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (AZ)

The company gave me false information and incorrectly advised me to allow an offer to expire to get corrected documents delaying the process to modify my loan coming out of forbearance and instead of XXXX a month at the interest rate offered originally I am now being asked to make payments of XXXX a month because interest rates spiked after it took them forever to accurately convey their request the proper documentation and process the application, even though they had all this information already on hand from the offer they had just given me that they told me to allow to expire. This is all recorded in the phone calls they have saved but refused to give me without a court order.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Previous attempt to the XXXX, XXXX and TransUnion to update my Legal name to my true name as met with indifference and inaction. This is a violation of 18 U.S. Code 242 - Deprivation of rights under color of law,
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Tuesday, XX/XX/XXXX, I received a notice from XXXX that there had been a hard inquiry of my credit that day. I KNEW it was not me so with further investigation I discovered that a credit card had been applied for from Bank of America and was approved by them. The applicant used my name and address ( they may have used more information but I dont know what else ) and pulled my credit report. 
I called Bank of America to report the issue and they took the information into their fraud unit and gave me a case number. They also told me they would contact XXXX, XXXX and XXXX to have this removed from my report. 
I also contacted each of the three credit reporting companies to have a freeze put on my account, which they tell me was done. 
XXXX has opened a dispute for me in their Identity Theft division. I was told by XXXX to report here in lieu of a police report.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conn's, Inc. (TX)

XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company fraud department to dispute accounts and was told that accounts were mine. I requested validations for the accounts and still have not received validation. The accounts are still being reported negatively on my credit reports.
Consumer complaint received 2022-07-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CO)

My wife died in XXXX of last year. I sent a copy of her death certificate to Mr. Cooper, asking them to take her name off of the loan. Later I sold my home. A month or two ago I received two large checks from NationStar, made out to me and my wife. My bank told me that with her name on there I would be unable to cash or deposit them. I sent them back to NationStar with another copy of her death certificate, and nicely asked them to re-issue checks with just my name on them. I kept waiting. Yesterday, I received another large check with my name and my wife 's name. Apparently, they did not read my letter or ignored it. These checks are for a lot of money that is rightfully mine, and I need the money badly. I can not find a phone number for them. They are in XXXX, TX Please contact them and tell them to send me the money in my name only.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - TransUnion will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item. 

This is damaging my credit rating.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (FL)

I Submitted an application through Wells Fargo and they are denying my application because I have a fraud alert this is against the law and they are violating my rights. They advised that they can not verify my phone number because of a third party company that they refuse to name. It is my right as a consumer to dispute any information that is not accurate to include a third party company not being able to verify my phone number that is listed in on my XXXX  credit profile and is also the same number they have verified multiple times in which I call them through.This is not fair and Wells Fargo is discriminating against me because I have a fraud alert.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NJ)

Ive tried canceling with XXXX XXXX since XX/XX/2021. Ive tried online on the website. Tried calling and emailing them as well. They have made it extremely difficult to cancel a simple membership. Its almost impossible to cancel. I still do not know how the cancellation process works since I tried the XXXX methods ( website, calling, emailing ).
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MA)

After closely reviewing my credit reports, I have established that Raymour & Flanigan ( R & F ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. 

On XX/XX/2022, I sent a letter putting R & F a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report this account any longer. All information has to be validated, verified, and agreed upon by me the consumer.
Consumer complaint received 2023-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I was awarded a grant for mortgage assistance they would pay my mortgage and utilities for 6 months. During that time I didn't make any payments to my mortgage because I was getting ahead on other bills and improvement to my home during the hurricane. The government grant HAF send paper check to the mortgage company on behalf of the recipient my self XXXX XXXX I have received two late payment reporting to my credit report when I have never been late. The taxes and insurance have increased in my house i spoke to an agent at freedom mortgage that advise me that they can " split the taxes and insurance overpayment in over 24 months they are not allocating the funds to escrow because every time i call every other agent advise me the same thing but falsely reporting that i am late when i am not I have all documentation to provide in regard to this case They are also falsely charging me a late fee when i paid before the due date
Consumer complaint received 2022-07-09
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)

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # 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 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a letter from Chase Bank indicating they were closing my credit card, just 3 months after opening, because they had previously terminated the relationship ; that was in XXXX due to their negligence. Almost the entirety of the current relationship were two vacation purchases, both paid off on time.
Consumer complaint received 2023-03-29
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: Wallace Management Company, LLC (MO)

Empire Financial Lending of XXXX Missouri They sent me false advertisement a post card that said they will lend money adding their {$50.00} dollars just to earn my business They had XXXX thrown me under the bus to lowered my credit score and ruined my motivations to invest
Consumer complaint received 2022-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

FedLoan Servicing has terrible customer service. Every rep I have been in contact with over the last 10 years has been rude and incompetent. Every rep gives different information and I was forced to go into deferment for 6 months when they should have given me the option to lower payments. Also, a customer service rep told me over the phone that the parent plus loan was not eligible for PSLF. Because of this inaccurate information, I have lost 6 years of payments that could have been eligible for forgiveness.
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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 This account was dismissed in 2019 by XXXX County. The judge found the case on my behalf.
Consumer complaint received 2021-12-06
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: Kikoff Inc. (PA)

I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than 30 day the reporting should be the month and late however many days for the correct reporting should say XXXX late 30, XXXX late 60 days, XXXX late 90 days. The account on my report say on time every month and then XXXX late 90 days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2018- XX/XX/2018 someone hacked into my mobile banking app and made XXXX   transfers were made on my account totaling an amount of XXXX . I claim was filed on XX/XX/2018 with Bank of America but there was no resolve.
Consumer complaint received 2022-07-09
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)

In accordance with the Fair Credit Reporting act 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 This account was dismissed in 2019 by XXXX XXXX. The judge found the case on my behalf.
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (FL)

company received Identity Theft Report for inquiry on my consumer report on XX/XX/XXXX, XXXX confirmed with USPS certified return receipt # XXXX. 

Currently past the timeframe for fraud deletions
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

confirmation number XXXX Issue # 1. XXXX hasnt not been corrected. Accounts still show bankruptcy. They were not included in a bankruptcy. So far I have submitted XXXX documents showings accounts paid in full not derogatory. I have also supplied bankruptcy papers showing not included in a bankruptcy. Also XXXX discharge due to disability papers. EVERY TIME I call equifax they tell me they are not going to remove. They have also refused to conference call with the creditor. Now they told me on phone they dont have documents I submitted and will not call any bankruptcy court to verify. They have also sent me letters im being frivolous recently. This improper reporting has cost me many credit card applications and housing since I have so many XXXX  not showing paid as agreed. I have been waiting and fighting a year to be fixed. Fix immediately. Should show 7 to 9 paid in full accounts. No more pending. XXXX refuses to fix immediately after this error has been partially there fault for over a year now. This needs to be rushed now. Im getting economic loss, high interest rates, and lost housing because of false reporting. no more waiting Issue # 2. around XX/XX/XXXX I submitted XXXX credit report to show status of the XXXX and they added XXXX using XXXX credit report. I have since disputed and they told me XXXX  verified account. I have called XXXX and they have not reported to anyone about accounts in my name recently. There should not even be a dispute on my end since it was not correctly added to equfax by using a credit report I gave then from another agency regarding something else. A representative stated that XXXX has always been they since XXXX. there resolve XX/XX/XXXX shouldnt be there since it wasnt correctly reported. A agent stated to me XX/XX/XXXX its always been there. This isnt true. Equifax has failed to give me how it was added in XXXX. I want proof XXXX  initiated adding it recently. If they did not. It needs to be removed. Please equifax dont send me something that is in progress. I have also included in the past another credit reporting agency XXXX  stating all paid in full. Fix this immediately ( yes or no ). 

in this complaint im including. 

1. A recent result for cfpb were XXXX  states accounts were not included in a bankruptcy 2. something from the bankruptcy court stating XXXX were not included 3. A statment from XXXX stating they never reached out recently to equifax 4. A credit report from XXXX and XXXX showing that it wasnt previously on my report until I submitted my XXXX dispute in XXXX to XXXX A XXXX letter stating accounts paid as agreed, paid in full not derogatory
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, on XXXX XX/XX/XXXX I called my bank to ask why in their app does it say my card is restricted. They told me my account was closed. I had received no email, letter or call. I asked why and was told due to " fraudulent '' activity. Even though 99 % of the time I use my credit card to pay for food the 1 % on movie providers. They said that it's due to returned payments even though the bank initiated it. Even though I did have money in my account waiting to be taken out by the credit card company to pay my bill, in which i pay my bill ahead of the due date but also on the due date because I get charged for XXXX XXXX. I assume they waited too long to take the money but I always made sure there was money in my accounts. This has caused me too much stress and confusion. My credit will be ruined and It will take awhile for another bank to even allow me to get a credit card.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC (NJ)

I made all payments charge long ago, yet the company states I owed {$20.00} which in turn became {$340.00}. I was sent no information regarding that I had owed any more than I already paid and was charged fees for a bill that was fabricated by XXXX XXXX XXXX.
Consumer complaint received 2018-08-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines. 

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form 27011 ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from XXXXXXXX XXXX XXXX. 

The response provided by XXXX XXXX XXXX is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (DE)

XXXX needs to be held accountable! 

I was notified by XXXX ( a collection company ) on XX/XX/XXXX that I had a delinquent XXXX account that had been submitted to them for collection. I immediately reached out to XXXX to discuss the case. I advised them that this was identity theft as the service address was Indiana, and I am a Delaware resident. I have never been to Indiana, let alone started cable service in that state. The perpetrator had used my social security number, previous mailing address and maiden name. XXXX had extended this person credit despite there being a fraud alert on ALL 3 CREDIT BUREAU REPORTS. XXXX requested a Fraud Claim Form be completed. The claim form was submitted, to include a police report. On XX/XX/XXXX a letter was received from XXXX stating that all collections attempts would cease, and all information submitted to the credit reporting agencies would be removed. I was also assured that my SSN had been alerted to avoid any new accounts to be opened. No additional correspondence was received. 

On XX/XX/XXXX I was notified by XXXX XXXX that I had a new collection account on my XXXX report, regarding XXXX service,  submitted to XXXX XXXX XXXX. I reached out to ERC and spoke with XXXX, I confirmed that this was the SAME XXXX account that had been sent to the other collection agency ( XXXX ). I reached out to XXXX twice but both times was directed to someone that spoke broken XXXX and was neither willing or interested in addressing my concerns. XXXX should not have extended credit with my fraud alerts having been placed, and are now using ANOTHER collection agency to collect a debt I do not owe. I submitted all of the requested documentation, yet they continue to harass. My credit score has dropped 18 point because of this! XXXX should be held accountable for allowing an account to be opened with an active fraud alert in place AND for sending the account to not 1, but 2 collection agencies!
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.