davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

In XX/XX/2019, I disputed an account reported by XXXX XXXX account number XXXX, in my file maintain by Equifax. I check my credit file on XX/XX/2019, and it had the account from XXXX XXXX   was removed, I checked back on XXXX XXXX it was reinserted on my credit report, and now it doesn't even show where it was being reported removed in my credit file. Me being a XXXX XXXX Veteran, This was a big shock and is a very big question on the Integrity of Equifax treaty consumer with fair service. In accordance with the requirement of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which Equifax failed to do.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PulteGroup, Inc. (NM)

During the application process and choosing a new home, Pulte failed to estimate taxes correctly in the Good Faith Estimate before closing and disclose the area had a special public improvement tax on top of that. The estimate we received in the GFE was in the {$200.00} range per month, and our actual as of XXXX XXXX after assessed will be {$600.00} per month. As XXXX, we would have never qualified for the loan on a $ XXXX month payment. We anticipated with our GFE, going into closing we would be at {$1500.00} per month. Our escrow estimate was completely off and we can not afford our home.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CA)

Discover is the worst bank that XXXX have It's hard on transactions and deposits When my money come on to the account I am done with discover I'm taking it all out And I'm going to another bank that have more common sense
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO RECOV Associates reported on my XXXX  Credit Report that a Credit Card Account was opened under my name in XXXX of 2019 which is false, they have not submitted any document ion to verify this debit or give the ability to dispute this account.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

What happened? 
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from XXXX XXXX XXXX. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. XXXX XXXX XXXX got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say XXXX XXXX XXXX has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is unlawful to say the least.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (GA)

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX CA XXXX FCRA Violation credit card not mine XXXX  XXXX XXXX XXXX FCRA Violation public record not mine XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (IL)

I have been disputing this XXXX account because it is not me the address they have does not match mines. I also disputed comenity bank/victoria secret and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXXand XXXX XXXX XXXX XXXX onXX/XX/XXXX.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

On XX/XX/2022 we received the enclosed loan modification offer from XXXX which set the new modified payment on the XXXX loan at {$9100.00}. After a review of this modification we contacted XXXX to see if there was an option to review/appeal this modification with a possibility of a lower payment. We began that process and we were instructed by XXXX employees to hold off on sending in the modification with the first payment until the review/appeal process was completed. Obviously, we were concerned that the due date in this modification was XX/XX/2022 and discussed this with XXXX representatives who assured us that as a result of the appeal, we had until the end of XXXX ( XX/XX/2022 ) to submit the signed agreement and make the XXXX payment. To that end, on XX/XX/2022, we spoke with XXXX employee identified as XXXX Id # XXXX who confirmed that there were notes on the account that indicate that there was a 30 day grace period, from XX/XX/2022 to make the loan modification payment and return the signed agreement by XX/XX/2022. During that call a follow-up on the appeal was scheduled for XX/XX/2022. Thereafter, follow-up calls were scheduled and on XX/XX/2022, XX/XX/2022 and on XX/XX/2022 we spoke with the XXXX  on this account, XXXX XXXX XXXX During those conversations, XXXX XXXX confirmed that the appeal and proposal to reduce the payment had been submitted to the investor on the loan and that this was under review and that the extension to send in the 1st payment and modification agreement by XX/XX/2022 was in place. On XX/XX/2022 XXXX XXXX attempted to flip the script and began to misrepresent what had transpired over the course of the appeal process. The phone calls throughout this process have been recorded. We respectfully request that someone at the executive level get involved in this file, review the recorded calls and rectify the situation immediately. On XX/XX/2022 we enclosed the executed modification agreement along with the 1st payment as was agreed with XXXX employees in a XXXX  envelope sent to XXXX XXXX XXXX XXXX for delivery on XXXX XXXX  has responsibilities under the law as part of the COVID pandemic relief programs that were instituted both Federally and under State mandates. It is our hope that XXXX will process this modification in keeping with the representations made by their representatives and put this matter to rest.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While applying for a refinance loan, I was informed that my loan was modified to a 40 year loan.  I know that I would not have ever modified my loan to a 40 year term.  I contacted my loan company XXXX  XXXX  XXXX and they informed me that it was not modified through them it was with the prior company Bank of America.  XXXX XXXX   XXXX gave me what they have regarding the loan modification and it was one page (see attached).  I contacted Bank of America about two weeks ago and they said that they would submit a request to send me a copy of the loan modification.  I have not received any copies at this time.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I received an alert today from XXXX that Wells Fargo Dealer Services reported that I was 30 days late on a car payment back in XXXX of 2022 and this is a blatant lie. Our car was stolen in XXXX, Police Report Filed and the car was recovered but deemed a total loss. Even when I did not have the car I still made my payments and have proof through my bank that we did. Our insurance company settled the account as a total loss and paid Wells Fargo in full and they even reported that as being paid closed and then they report us as late which is not true. This impacted my credit score for something that never happened. I called and got in touch with the XXXX Offices at Wells Fargo and recorded my call and the guy I spoke with on the recorded line even verified that we were never late on our car payment. Wells Fargo is notorious for doing cheap, crooked stuff like this. They feel that they can just do what they want to do even if it hurts others which is why I will never do business with them again. They need to be investigated and fined for doing this illegal stuff. WE WERE NEVER LATE on our car payment.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX 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 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

A XXXX scammer sent me a bad check for {$3900.00} which I received on XX/XX/2021 and was able to deposit via the USAA mobile app. The funds were deposited into my CHECKING ( i.e., DEBIT ) account immediately. There was no notice in my account of a problem with the check, or of any " pending '' funds. There was no notice of the check being honored on credit, and I never directly authorized credit on that check ( nor did I ever intend to ).

The same day, I got a balance check for my checking account from an ATM. I was able to withdraw {$3300.00} from my account, which ended up getting sent to the scammer 's " shippers '' via XXXX. I have all the physical receipts. 

Several days later on XX/XX/XXXX, I saw in my account that the check had been refunded along with a {$5.00} " fee, '' which left the total of my accounts in debt. I reported it to USAA as soon as I noticed it and realized it was a scam. They reported it to their " fraud department, '' which froze all my accounts and cards by the next morning. 

I have been trying to reach out to my bank, but they leave me on hold for hours on end. It's impossible to talk to a human being. I have bills coming due, and I need to pay for food and medicine. My time and ability to access my money are valuable. 

The best excuse USAA gave me is that they honored the check based on giving me credit, and only because I had such a good credit history with them for so long! Ha! But like I said, I never authorized, nor intended to authorize any new line of credit, and took deliberate steps not to authorize any line of credit. 

If USAA issues me a line of credit without my approval, that's THEIR risk. And as far as I'm concerned, they are complicit with authorizing fraudulent checks by : a. ) making the process totally automated ; b. ) advertising it as " secure, '' and ; c. ) fatiguing its customers into compliance with using it, while diminishing access to real customer service. 

I'm also investigating this issue myself, and have tried to report to several local and federal law enforcement agencies with little response. I am also about to file a local police report for what it's worth. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

XX/XX/2016 I had a bill due with progressive insurance which was turned over to collection company i settled with the company for {$240.00} the balance was {$300.00}. This collection reports on my credit report every month even though I paid it in 2016. I have been trying to get this removes from credit but have only been told because I did not pay the full balance it will be there for 7 years.
Consumer complaint received 2022-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (WV)

I received a notice from a debt collector saying I owed money to a XXXX service. There's no itemized list as to why I owe said money or any description of the service allegedly performed.
Consumer complaint received 2022-07-06
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. (FL)

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX Inquiries : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX
Consumer complaint received 2021-06-14
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. (NC)

All negative accounts on XXXX  report is fraudulent with no proof of ownership.also all 17 inquiries. 
Equifax is also exploting fraudulent accounts with no proof of ownership.also inquiries.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

I'm being sued by a company for a past due card debt that I'm unaware of and was impossible for me to have charged these fee 's. I moved to XXXX early XX/XX/XXXX now its XXXX. The charges was made in middle an end of XXXX. I'm asking for my name be removed from this debt due to fraudulent charges made with my name.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AR)

Re : Account XXXX closed without any answer? Except the same copy and pasted response to 1000s of other people with a different date! Have you researched this company? There is actually an attorney that specializes in this company an sues them for deceptive practices. They did not ever verify this debt in any way the first time! Thats why it was deleted. They even said in their response that the original creditor wanted to try and collect again after almost 6 years? The statute of limitations in Arkansas is 2 years for medical debt anyway. Plus if I had any medical bills in 2014, which I didnt, it should have been paid by my medical insurance. Im NOT contacting you or this so called original creditor for anything! However I will be consulting with an attorney. If this isnt resolved immediately. Im tired being harassed about this medical bill and/or the OTHER medical bills you threatened me with in the last complaint response and being a victim of unverified debt and credit damage!
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ME)

Mr. Cooper sent a payment to the town of XXXX, Maine in the amount of {$930.00} from my escrow account on XX/XX/19. The amount due for my taxes in XXXX was {$270.00}. I discovered the error when I got a certified letter from the town of XXXX indicating that my taxes had not been paid. When I called Mr. Cooper, we discovered that Mr. Cooper had paid MY BROTHER 'S TAXES from my account. I spoke with the town of XXXX, the sent a check back to XXXX/Mr. Cooper which was cashed on XX/XX/19. To this date, I am still missing the {$930.00} from my account and my taxes HAVE NOT been paid to the town of XXXX. I have called and spoke with several managers, the escalation team, etc. All of whom say that this is a process and my refund will not come overnight. I did not send the monies incorrectly, therefore, these funds should be in my escrow account and my taxes should be paid. We are now in XXXX and this still is not resolved. The refund was received in XXXX.