davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting that a late payment exists on my account for XX/XX/2019. I have the payment booklet reflecting a payment due date of XX/XX/2019 along with proof of payment for both XX/XX/2019 and XX/XX/2019 which more than covers the XXXX payment either early or within the 10 day grace period and well before the next payment due of XX/XX/2019. I also have the payment dating back to XXXX and and another at the end of XXXX reflecting. I submitted documentation of these payments to show that the XXXX payment was not late and should be corrected on my credit report and XXXX ignored the request and did not respond. I filed a dispute with XXXX XXXX and they did not correct the problem. 

I am attaching the payment confirmation for XXXX, showing the extra {$10.00} for the late fee, the payment for XXXX, showing the extra {$10.00} for the late fee and the on time payment for XXXX. All payments are within the 30 days and did not go to the XXXX day as inaccurately reported on my credit report. When after the 10 day grace period, the fee was included.
Consumer complaint received 2022-02-03
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. (AL)

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that XXXX # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or Equifax permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (TX)

I recently received a letter from CITI Bank explaining that my application for a " CitiBusiness / AAdvantage Platimun select World Mastercard account '' could not move forward due to a freeze on my credit reports. 

I never applied for this card, nor did I authorize anyone to apply for this card. I have in place a full credit reporting freeze to prevent this sort of fraud. 

On the morning of XX/XX/19 I called CITI Bank at the phone number listed in their letter to me, XXXX and was unable to proceed because I refused to give my Social Security number as a condition to move the call forward.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX  ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.
Consumer complaint received 2018-08-16
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: LEXISNEXIS (IL)

On XX/XX/XXXX, I wrote to XXXX  explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, XXXX responded that the information was verified as accurate through Lexis Nexis. I have had my information suppressed with lexisnexis however, XXXX  refuses to remove this fraudulent account from my credit file in accordance with Section XXXX B of the FCRA.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (AL)

I am coming to you to require corrections to my credit report. After looking over my report I noticed XXXX XXXX XXXX # XXXX listed 3 times on my file with inaccurate payment status. There are late pays on the same account 3 times on top of it listed the exact same 3 times. The account XXXX XXXX # XXXX and XXXX XXXX  # XXXX is showing the same error. The credit reporting agency and the companies are not fairly reporting on my credit file and this is a direct violation per FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ). On top of that ONEMAIN # XXXX is being reported and does not even belong to me at all. There is direct abuse towards me as a consumer and it has also brought a huge amount of stress and anxiety in my life. They have been falsely given the power to ruin lives when in reality I have all control. I don't even give XXXX, XXXX, or XXXX permission to furnish anything about me at all no matter where they claim it comes from. Per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer they have already broken so many laws and I will be taking this straight to court.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WA)

I was diagnosed with XXXX in XX/XX/XXXX. The following year I fell behind on some of my debt. As soon as I was able to function again I contacted all of my creditor including Citibank to explain my situation and brought my account current. this month for the 2nd time they are calling for payment which I show is paid. They are unreasonable and rude and tell me that I did not log into my account to pay although my notes say I did. I am not so broke that I look at my account each day to ensure that payments are made. I deduct them from my balance as soon as I pay them and I note the statement. I am so tired by being treated so rudely by the people that tell me they can see every login and that I am lying and now I owe these additional fees. Keep in mind that if I really had no made the payment as of today I would be only 8 days late. They tried to strongarm me into giving my authorization to charge my credit card before I even had a chance to verify what they were saying. Then when I called in the lady was completely rude and basically told me I was lying because she could not see my log in on XX/XX/XXXX when I noted that I made my XX/XX/XXXX payment. I could have file bankruptcy and not have recovered and went back to work but have had to deal with this type of abuse. it needs to stop.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (CA)

I have disputed the debt with the creditor and the credit bureau. Original creditor is XXXX XXXX XXXX XXXX. The medical bill was paid at time of service by XXXX. I also had XXXX double coverage at time of service to cover any amount left after XXXX paid. I have demanded proof of my signature on documents showing my responsibility for the debt. I still have not received any proof. I do not owe this debt.
Consumer complaint received 2018-08-16
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)

On Friday XX/XX/2018 I wrote to Equifax requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, Equifax has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with XXXX a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out. 

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of 1974
Consumer complaint received 2022-10-07
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. (VA)

I wanted to dispute these because of this and it was affecting my credit report. 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 2021-06-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

On or around XXXX of XXXX I sent Carrington Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made XXXX XXXX XXXX aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.
Consumer complaint received 2022-04-07
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received two letter in XX/XX/2021 from a third party debt collection agency. A third party company cant purchase my information under the law 15 USC 1692 ( b ) it is infringing my consumer rights and privacy. How did they get my information? I didnt give it to them its safe to assume they stole my identity because I never gave them permission to have it. Which is a violation 15 USC 1681 ( 3 ) In addition the letter did not disclose that this is an attempt to collect a debt which is a violation under 15 USC 1692e ( 11 ) I received mail from and unknown company with an account number and positive balance it didnt say it was an attempt to collect debt. I was under the impression that I was about to receive money, how do you pay on a positive balance?

Under 15 USC 1692d the letter was threatening to report me to the credit bureau for this alleged debt if I failed to fulfill the terms see attached my reputation is ruined under the FCRA 15 USC 1681 all you have to do it pull my credit and see how its been ruined In addition 15 USC 1692e misleading and false representation of the amount of the debt again how do pay on a positive balance.

I was not given validation of the debt which is required by law I am the consumer and under the law 15 USC 1692 G ( c ) I dont owe and debt this is alleged debt and I am not obligated to pay. I am the only one that can validate. No investigation was done and If It was no information was provided Under the law 15 USC 1681 AE you have to do interviews with family, associates and neighbors I have been injured multiple times all listed above this has cause me a great deal of stress ruined my reputation caused embarrassment I need this fraud to stop I need to be made whole again
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

re : my loan XXXX I was denied a modification ; however I explained that the income they used was incorrect and I sent proof of correct income. Wells fargo said it did not change the decision even though the income was over {$2000.00} more than they used to calculate NPV. I was never given updated information or numbers on why appeal was denied. I have left 3 messages and made over 6 phone calls all of which they have not replied to. I feel I should be reevaluated for a modification using correct information.
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (GA)

Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is required to provide proof of how they verified the bankruptcy they are reporting on my credit report. I have written dispute letters to them several times over the past almost XXXX years requesting for them to provide me with proof but they have never provided proof of validation or verification which they are required to do according to the XXXX. My last attempt to dispute this inaccurate bankruptcy was a dispute letter I mailed to TransUnion in XX/XX/2022. TransUnion sent me results dated XX/XX/2022 stating that they verified the bankruptcy but again provided no proof on how they verified it as I requested in my dispute letter. Also, I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report and I have a letter from the courts stating that they do not communicate or verify information with credit reporting agencies so how could TransUnion have verified the bankruptcy information? I have attached letters from XXXX, the court and dispute results TransUnion sent me stating the bankruptcy was verified. 

I have grown frustrated during my several attempts to get TransUnion to correct this error and remove the bankruptcy but they have not properly investigated my disputes. Also, the bankruptcy being reported has no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But TransUnion still did not remove this information after I disputed explaining that fact. All of this is proof that TransUnion is not verifying the information as they are required to do. This situation has caused me a lot of stress. I want this bankruptcy removed from my TransUnion credit report once and for all.
Consumer complaint received 2019-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

My spouse and I are retired XXXX XXXX and XXXX XXXX XXXX veterans. Our complaint is regarding an inaccurate balance Freedom Mortgage is reflecting for our mortgage. We also would like to report the poor customer service they are providing when we continue to contact them regarding trying to audit our account to receive the correct balance. We recently completed our Chapter XXXX bankruptcy in XX/XX/2019 ; at completion the Trustee sent Freedom Mortgage a check for Notice of Final cure Payment in the amount of {$16000.00}, the amount required to cure the default in the claim ( document 1 ). On XX/XX/2019, we received a demand for payment notice from Freedom Mortgage in the total amount due of {$17000.00} ; for payments for the period of XX/XX/2019 XX/XX/2019. This total is a compilation of {$16000.00} in principal, interest, & escrow, {$220.00} in late charges, {$1300.00} in fees and costs to date, {$1000.00} in less amount in suspense ( document 2 ). We have Freedom Mortgage statements dated from XX/XX/2019 - XX/XX/2019 showing the irregularities from statement to statement. The Freedom mortgage statements for XXXX and XX/XX/2019 shows a credit of {$900.00}. We have uploaded the payment history for our account showing money begin posted in suspense which is accruing interest and late fees. We have contacted Freedom Mortgage on several occasions requesting an audit on our account and have been told that they can not discuss our account directly with us however, through our bankruptcy lawyer. We contacted our bankruptcy lawyer and he stated there was nothing he could do, as we are out of bankruptcy as of XX/XX/2019. We are request assistance in receiving an accurate amount concerning our mortgage balance. Any assistance in this matter is greatly appreciated.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX - Mortgage Account - XXXX Dear CFPB, Our Mortgage is with Mr. Cooper Inc. and we have never defaulted on any payments since the account was transferred to them. Recently, our credit took a big hit because Mr. Cooper falsely claimed that we have not paid our XXXX invoice and reported it to Credit Reporting Agencies nationwide. 

For the record this is a blatant lie. Payment for the XXXX mortgage invoice in question was made on XX/XX/XXXX for {$600.00} through XXXX  XXXX XXXX Account ( XXXX XXXX ) and on XX/XX/XXXX for {$1200.00} through XXXX XXXX Account ( XXXX XXXX ).  Please see attached documents for verification. As you can see subsequent invoice from Mr. Cooper never reflected payments made on XX/XX/XXXX and XXXX. This is fraudulent! Under normal circumstances, paying invoices before the due date should be beneficial and not detrimental. Instead, this grave discrepancy and egregious error caused by Mr. Cooper resulted in unwarranted blemishes on our credit scores and on our payment history. This is unfair and it needs to be rectified immediately. This was the same practices done by our previous mortgage company XXXX. We are fed up with fraudulent practices by these rouge companies. 

Based on the above information and the attached supporting documents you can clearly see that our XXXX invoice was paid and it was even paid ahead of the due date. We pay most of our bills ahead of the due date and not once have we had any problems with other companies. Rather we get credit for early payment. This is the only company that punishes you for paying your bill ahead of the due date. Giving this information our XXXX invoice was fully paid on time and therefore we do not owe any late fees as well. 

We hope that filing an official complaint with your establishment will help bring some kind of resolution to these vexing fraudulent practices by Mr. Cooper and the harm they have caused to unsuspecting consumers like us thereby tarnishing our credit. I believe they should be forced to retract the negative report sent to the credit reporting agencies nationwide with an official apology letter. 

I wait to hear from you shortly. Thank you for your time.