davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the following items are not removed in 4 business days XXXX will be in direct violation of 15 U.S. Code 1681c-2. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). Fraudulent account : XXXX XXXX XXXX ( Account Number : XXXX ).
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XX/XX/2022 XXXX removed debt collector for failure to validate. 
Debt Collector has reported false debt on XXXX XX/XX/2022 & XXXX XX/XX/2022. 
Debt collector continues to avoid validating debt. **** Futhermore Debt collector is hiding original creditor information in reports to avoid validation. This is illegal.
Consumer complaint received 2022-04-12
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: WELLS FARGO & COMPANY (FL)

There was charge card opened in my name by an employee of Wells Fargo in XXXX of XXXX. I was contacted some time after the card was opened and I advised the person that I never opened the account. In the beginning of XXXX I was contacted once again regarding the same account. I reiterated that I did not open the account. I kept getting harassing phone calls to make payments so I ended up just paying the amount and they finally closed the account. I was apart of the class action lawsuit against them. In re Wells Fargo XXXX XXXX XXXX XXXX, Case No. XXXX. I was not the only XXXX as it was determined that their employees opened up cards using millions of customers info without consent. I thought the account was deleted from my credit. However, I found out recently that the account was not deleted from my credit. I reached out to Wells Fargo and they advised me they were not able to find any XXXX or closed account for me and advised me to dispute it. I filed a dispute with all 3 credit Bureaus. I got a response from XXXX that the account was accurate and will remain on my credit. I reached out to Wells Fargo again today and was advised once more that there is no history of me having an account open or closed. I need help getting this deleted as it has negative remarks but yet they aren't able to find an account.
Consumer complaint received 2022-04-13
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. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX Date Opened : XX/XX/2018 Balance : {$160000.00}
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GATEWAY FIRST BANK (NJ)

Reporting of false information about my payment history to XXXX and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX and all other credit agencies. 
In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

Instrument # XXXX Sold to XXXX XXXX XXXX see attached letter SunTrust Mortgage NOT the servicer, NOT the loan holder, NO NOTE. 
Loan # XXXX After the sale and transfer of the mortgage and Note XX/XX/2006. 
A Lien Release should have been filed by LAW, with the clerk of court 15 Years ago.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently reported Experian to CFPB for failing to investigate a dispute and they have now done it again with the same item. This process has taken a total of almost 90 days and they still did not dispute the item and this is how I know! The item in question should have never been on my report. XXXX  and XXXX  both investigated the item and " deleted '' it from my credit report because it is not accurate. How on earth, can these 2 bureaus find the information is inaccurate and delete it but Experian somehow finds its accurate and leave it on my report. Also, they refuse to give me the phone number, name and address of the person who verified the information to be accurate. The fact of the matter is common sense will tell you Experian did not do an investigation of an sort. I want this removed from my report immediately! I'm not waiting another 90 days for them to do another so called investigation. Thank You.
Consumer complaint received 2017-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Atten : Specialized Loan Servicing Please verify and confirm that the Note Custodian you refer to in previous communications through the CFPB as holder of Original Documents for XXXX XXXX XXXX Home equity line agreement and Disclosure statement is " RECON TRUST ''
Consumer complaint received 2022-04-13
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: National Credit Systems,Inc. (NC)

By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My mortgage company illegally put my mortgage on XXXX without our permission or even asking, I brought it to their attn they said email us what happened I did, nothing. The AGs office is NOT helping nor the CFPB! Back on XX/XX/XXXX my mortgage co sent a letter ( NEVER RECD IT! ) the AGs office did and at this time is was the end of XXXX, letter stated for us to restart payments on XX/XX/XXXX we didnt know, now any pay sent at this point would go unapplied. Now the mortgage company is looking for over $ XXXX or they will forclose on my family home that Ive lived in for 50 years! I am on medical XXXX now due to severe side effects of XXXX and XXXX! Please can you help? 

XXXX XXXX I am in foreclosure now they are lying stating that they did a loan mod in XXXX FALSE!
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have been compromised and gotten into the hands of the wrong people.
Consumer complaint received 2022-04-13
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: Stevens Business Service, Inc. (NC)

By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (AZ)

XXXX XXXX  kept raising my insurance premium without my knowledge I disputed the amount with Compass since XXXX, Compass gave provisional credit, did not investigage and debited my account making all kinds of negative adjustment. 

All the disputes were handled in another country.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination.
Consumer complaint received 2022-04-13
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: TRANSWORLD SYSTEMS INC (NC)

By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank, which holds my mortgage, requires flood insurance on my home because it is in flood zone A. I have always carried full replacement cost coverage. XXXX XXXX severely damaged the foundation in 2012 and XXXX, my carrier, denied my claim and my appeal citing " earth movement. '' The damage remains unrepaired while I try to gather funds to fix it or to sell it. Meanwhile, when the policy came due, I discussed coverage with my broker who confirmed that any subsequent claim for the damaged portion of the house would be denied and suggested I insure the undamaged portion of the house, which I did. Chase insists I continue to carry what they consider full replacement cost, however, and has now force-placed a so-called gap policy which I refuse to pay. Out of curiosity I called XXXX other insurance company representatives and inquired about switching my coverage. Each said they consider the property uninsurable. I have no idea where Chase got this coverage but it is surely overinsurance on this damaged property. I sent Chase damage documentation and a statement from XXXX, and they still insist I pay for the gap policy. I ca n't be the only homeowner in this position. For my own and others ' sakes I want Chase to rescind the policy and stop requiring overinsurance in the wake of storm damage.
Consumer complaint received 2022-04-13
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. (NC)

In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXXXXX
Consumer complaint received 2022-04-13
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. (NC)

In accordance with the Fair Credit Reporting Act the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 2019-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Again, TransUnion is reporting " XXXX XXXX '', which was deleted and reappeared without notice. I filed a complaint on here and they responded that it was put back on in error and they would delete. It is still showing on my credit report and needs deleted immediately and NEVER placed back on.
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OR)

On XX/XX/XXXX, an Ambulance Ride was from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX They were an out-of-network, non-physician related service. The XXXX was delivered to my XXXX XXXX University XXXX XXXX XXXX at the time, XXXX, who paid {$790.00}. 

A remaining balance of the bill was adjusted at that time, leaving a total of {$210.00}. Because the ambulance company didn't have any information other than my phone number [ confirmed by the medical records request given to the company, see attached ], they sent it to a third-party collections agency to collect the bill, XXXX. XXXX. After speaking with someone there I discovered that I had reported the bill had already been paid on XX/XX/XXXX, and they ended collections at that time. 

I was an unemployed, part-time college student at the time of the bill, and was receiving financial assistance from my father, who ended up paying the bill for me. The bill never made it on to my credit report, so there's no record of it, or of it being paid. There's no official record of the bill ever being paid anywhere, other than the notes that I called in on XX/XX/XXXX and reported to the collection agency that it had been paid. 

Fast forward to XX/XX/XXXX, when Phoenix Financial XXXX sent me a letter on behalf of XXXX XXXX XXXX XXXX XXXX, who apparently purchased the debt of {$210.00} from XXXX. 

[ The XXXX XXXX bill lists the bill as being paid as the result of the purchase, but not that it was purchased by an outside company, simply that it was adjusted, and no further details made- it does, however, list XXXX  and the number listed as being assigned and NOT the new company that 'purchased " the debt. So the bill I have does not show that the debt is owed, nor that it has been purchased or assigned to a new company, only to the old XXXX in XXXX ] I disputed the debt with the company, and filed a medical records release with XXXX XXXX XXXX XXXX and received a copy of the previously mentioned records in PDF Format [ see attachment ]. At this point in time, the bill is XXXX XXXX XXXX. I spoke with someone at Phoenix Financial, who informed me that the {$210.00} is still owed, and offered to allow me to pay half of it off - {$100.00} to settle the debt. I needed to do more research, since I believed this was covered by the 'no surprises ' act of XXXX. 

The bill was technically created in XXXX, but the debt purchase was made after XXXX, which is covered by the no surprises act ..... 

I contacted the XXXX Surprises main help Desk. reference # XXXX, who then gave me contact # 's to XXXX XXXX XXXX XXXX, to whom I called and then went from there.
Consumer complaint received 2022-04-13
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. (AL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment.

on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-13
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)

FRCA Violation XXXX  loans XXXX XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans late payment XXXX  XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I pulled my credit report and noticed a charge off from Capital One that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but XXXX still has not deleted this information that needs to be deleted.
Consumer complaint received 2022-04-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing LLC ( SLS ) and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee ( the TRUST ) are attempting to foreclose our property without any legal standing, resorting to fraudulent and deceptive practices to commit counterfeiting and racketeering. SLS repeatedly gave us a runaround for our Qualified Written Requests for Verification of Proof of Claim, including TRUE SALE of our mortgage loan and promissory note from XXXX  XXXX XXXX XXXX ( XXXX  ) to the TRUST, power of attorney from XXXX to SLS and the TRUST to SLS. In a response dated XX/XX/XXXX, to our complaint filed with CFPB earlier, SLS again failed miserably to provide any proof or evidence that would validate a legally acceptable TRUE SALE occurred on or before XX/XX/XXXX, showing the TRUST has legal interest on our Mortgage Loan and Promissory Note which we obtained from XXXX in XX/XX/XXXX.