davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

I paid off my mortgage XXXX the company took my last payment and applied it elsewhere than sent me a letter stating that I had default on my loan. I call my XXXX attorney to go over all the paperwork with me and the mortgage company.According to the loan modification XXXX this company is only entitled to 20 % of XXXX which would be XXXX telling me to pay XXXXmy attorney and I have been asking the mortgage company for a breakdown of the XXXX since XXXX and they kept ignoring the issue. my mortgage has been paid never missed a payment now they still want to hold on to my papers and deed the loan is paid off after 47 years of paying im sure you would like your deed.
Consumer complaint received 2021-04-16
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. (NY)

XXXX XXXX XXXX has filed federal lawsuits on behalf of several consumers who have been unable to correct credit reporting entries that were either erroneous or the result of identity theft. 
The accounts listed below were open due to Fraud and you company has been doing improper investigation on the consumer behalf. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me. 

I expect to receive proof requested above, within 10 days from the date of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company, business or bank for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

These include : Not notifying me of investigation status not, Not correcting Fraudulent info, and reporting fraudulent information on credit reports. 
REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY. 

XXXX XXXX  XXXX XXXXClosed Closed on XXXX XXXX, XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXX XXXX XXXXClosed Closed on XX/XX/XXXX XXXXClosed Closed on XX/XX/XXXX XXXX
Consumer complaint received 2021-12-09
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. (FL)

I had an account with XXXX. It was an XXXX card. For whatever reason XXXX decided to close this account. The account had a {$170.00} balance. XXXX took me out of thier system. I was unable to sign in online to pay. They sent me a notice so I called their phone #. The system would not let me talk to a person unless I had my account number. I did not have it. ( this was an XXXX card that is all I used it for ) So after they sent me another notice, I went to a local branch. I explained my problem, and they gave me the right number to call as well as my account number which I did not have. I called it, and paid the balance in full. Now they are reporting me for a late payment on my credit that I have been working very hard on to get great. Not fair. They removed me from their system and left me no way to pay. I took the initiative to find a way to reach them and paid in full. They then waited 2 weeks and are reporting me late now. I called them to dispute this. Twice. They said that there is nothing they can do to change it. I disputed with Experian, XXXX, and XXXX and they all just put a little note stating that the customer disputes. Again- not fair. Doesnt help the impact on my score which is down like XXXX points for this one ding. PLEASE help
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After submitting Complaint XXXX ( XX/XX/2020 ) - I further engaged with XXXX XXXX XXXX. After deciding not to settle the account for the requested amount of {$1000.00}, I remitted a full amount of {$2000.00}. during the process, I received a letter stating that XXXX XXXX XXXX has found an error, and has overcharged my account for a Key fee and have internally corrected the balance error. This letter is admittance to inaccurate information being furnished to XXXX, Transunion and XXXX for multiple years. ( Letter is Attached )
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX the XXXX 2021 My bank card was stolen and in this process XXXX Dollars was taken from my account at XXXX and XXXX was taken at XXXX. When I reported the theft to truest bank they said they would investigate the suspected both of my checking accounts they investigated I'm thinking I'm gon na get my money back and at the end of the day XXXX later they declined the investigation said there was no fraudulent activity and myContinued to go deeper a deeper and debt. Overdraft feeds after overdraft be after overdraft fee XXXX different accounts were affected. And to this day they finally closed the account I was almost a {$1000.00} overdrawn in XXXX and XXXX and some dollars overdone in the other account. They informed me that there was nothing else I could do to make them give me back my money I have been wronged by this bank and I am almost {$2000.00} a debt because of it and they say there's nothing I can do. I would greatly appreciate any attention or time that you could put into this to please give me back my funds almost {$600.00} is where it started.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Theres are XXXX closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

My husband and I are currently trying to refinance our homes. Through the process, we realized that our credit scores are lower with Equifax and XXXX. A mortgage company notified us that one of the " key factor '' for our lower scores was that we had " Serious Delinquency ''. We obtained copies of our credit histories with both companies. Our credit histories indicate that all our accounts are 'Paid as Agreed '. We tried reaching out to Equifax and XXXX  multiple times via phone and on-line. However, we were not able to reach anyone that could help us. We can submit disputes on-line but are limited on what we can dispute. 

Since we are not able to contact Equifax and XXXX  to request that they look into the inaccurate reporting of our credit scores, we are unable to get better mortgage rates and lower fees to refinance. We need to be able to do this to lower our payments, stay current on all our obligations and send our XXXX  to college. Anything you can do to help us reach them and resolve this issue is greatly appreciated.
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I submitted a loss mitigation packet on XX/XX/2021. I called multiple times after the submission for an update and was constantly told the my application was being reviewed. On XX/XX/2021 I was told that my application was not available for viewing by XXXX  and that I needed to resubmit another application. I have called multiple times for an update and a supervisor was supposed to check in with me weekly to provide a status update. I am still being told that it is under review. Today is XX/XX/2021 and no update has been given and I have not been offered any options for loss mitigation.
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach  Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-08-24
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. (LA)

I've sent a letter last XX/XX/2021 but it is almost 30 days now but no response yet. I am a victim of Identity Theft. I'm so stressed every day, I got a low credit score because of fraudulently used of accounts without my permission. I've already contacted the credit bureaus and furnishers to raise this issue.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens bank has over charge my account. the amount of fee they charge my account from XX/XX/XXXX to XX/XX/2021 is {$580.00} dollars. This unreasonable and unacceptable. XX/XX/XXXX i was charged {$30.00} service charge XX/XX/XXXX. {$39.00} overdraft on the XX/XX/XXXX overdraft {$79.00} XX/XX/XXXX two services charge for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX overdraft fees for XXXX. XX/XX/XXXX overdraft fees for XXXX XX/XX/XXXX overdraft fees XXXX XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for {$39.00} XX/XX/XXXX service charge {$30.00} XX/XX/XXXX overdraft fees for XXXX. Due to all those fees and services charge this institution has and now continue to cause me financial stress. Most of the fees has been wrongfully charged to my account. There is no way that i will know allow my account to stay delinquent.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have unauthorized inquiries on my report from XXXXXXXX XXXX, 3 inquires from XXXX XXXX XXXX , 3 inquires from XXXX XXXX 19 inquires from XXXX  XXXX
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (AZ)

My husband and I are trying to refinance our bankrupted loan that was discharged 9 years ago. It is with Wells Fargo. We have been making our payments on time and never been late. Wells Fargo has refused to report to the credit bureaus. I have made numerous calls and they said that our loan is dead. If it is dead, why do I have statements and a loan number. My husband is retired with no credits score at all due to this! We went though hardship before, why do we keep on getting punished for doing what is right? We have proven to be responsible. We need a credit report!
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (FL)

Secured new mortgage with Stockton Mortgage in XXXX last year after going through extensive underwriting and submitting all my documents as requested by the company. Two months later I received a letter from them stated I needed XXXX XXXX. I did not have XXXX XXXX when I was approved for the loan. So I contacted my insurance company to get XXXX, but not having XXXX XXXX previously and now after a new mortgage closing it was very difficult to get. The letter Stockton Mortgage provided stated that my XXXX XXXX lapsed, I never had it. So the insurance company would not add it to my policy. I had to wait and have a new policy written. I live in Florida and my home is 8 houses from the XXXX XXXX. It is also hurricane season. I also had to have a wind mitigation inspection done before coverage would be approved by insurance company. 
Stockton went ahead and charged me {$370.00} for XXXX XXXX in XXXX for a period of 2 months that have passed. I received no policy from them or coverage dates or anything that I could possible use if I did have a claim. Also when called Stockton said it would reimburse my escrow account the {$370.00} back but after repeated calls another underwriter of theirs overruled. I made every good effort to correct Stockton 's oversight of requiring XXXX XXXX. I should not have to pay for a coverage that was not available to me and is unnecessary as there wasn't even any storms.
Consumer complaint received 2021-04-16
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: Experian Information Solutions Inc. (FL)

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted experian, XXXX and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-04-16
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. (FL)

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, transunion and XXXX regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Consumer complaint received 2022-10-08
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. (GA)

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX 15 u.s.c 1681 section 602 a.States I have the rights 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 15 u.s.c 1681c ( a ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-16
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. (TX)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ZIONS BANCORPORATION (CA)

CA Bank and Trust has been dragging their feet on this workout request for months. At issue is when documents are sent in the documents aren't reviewed for weeks which is a violation of RESPA guidelines. By the time CA Bank and Trust finally gets to the documents a month later the documents are expired. This is an unacceptable violation and must CEASE and DESIST IMMEDIATELY. 

I expected CA Bank and Trust to IMMEDIATELY escalate my file to a supervisor and have my request reviewed and send me a modification agreement. They've had enough documents sent to fill up library. Their gross financial negligence on my home is unacceptable.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian has my address as " XXXX XXXX XXXX XXXX ''. I live on " XXXX XXXX XXXX XXXX ''. They are the only credit agency with this address and insist that they got it from various creditors. I have never lived at XXXX XXXX XXXX XXXX. I called XXXX XXXX and they insisted they have never reported me as living at XXXX XXXX XXXX XXXX Filing in the online dispute results in same thing -- disallows me from correcting this incorrect address and insists it came from creditors. 

Here is why that is a problem - our mail was once misdelivered to XXXX XXXX XXXX and the people who lived there never gave us our mail. If they had a credit card application with my name sent to that address they they could've filled out the form and changed the address to steal my identity. 

Why is Experian being obstinate about correcting my address?
Consumer complaint received 2022-12-16
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. (CA)

There were multiple hard inquiries on my credit report, one from XXXX XXXX XXXX, where I confirmed that a loan was taken out under my name ( I have never once transacted with or been inside of a XXXX ), and this was through my XXXX credit report. Through Equifax, there was another hard inquiry through XXXX XXXX but upon follow up with XXXX, there was no accounts or loans taken under my name. There was also phone numbers on my credit report that didn't belong to me. My actual phone number is XXXX, so any other numbers are fraudulent. The address given on one of the attached documents contains an address in XXXX XXXX, on XXXX XXXX XXXX, which also does not belong to me.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is so unfair I applied in store for my sacks credit card and then the bank that processed this application declined me without even pulling my credit report how is this valid or fair I was told to apply in store for the XXXX version and I did and they treat me and my application like this their system automatically declined me