davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
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. (OK)

XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

OCWEN LOAN IS ATTEMPTING TO FORECLOSURE ON a property that i am the administrator of the Estate.They are using a assignment that is robo signed and fraudulent. I mailed a QWR and they have not responded. the assignment was created after the cut off date of the trust in the pooling and services agreement. listed with the United States Securities
Consumer complaint received 2022-06-19
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX my wife and I attended a vacation timeshare presentation by XXXX in exchange for a free XXXX night stay at XXXX of their properties. 

We declined to purchase the timeshare options provided. They indicated they'd need our social security numbers to put us " into the system '' to get our gifts, and also to allow them to show us better deals ( to attempt to get us to change our mind ). I provided by social security number verbally and the employee punched my info into their XXXX. They left to their office and upon returning noted that we had excellent credit. Not having expected my credit to be pulled I inquired if this was a hard pull because I didn't want a credit inquiry on my record. They said no. They presented financing options which we declined. We signed one paper indicating that we declined all their offers and left. 

The next day I got an alert on my credit monitoring that said there was an inquiry. It turns out they did a hard pull without my authorization. 

A few days later I got another alert that a credit card from XXXX XXXX Comenity with a {$5000.00} credit line was opened in my name. I did not authorize any credit to be opened in my name. 

I contacted the company and they indicated there was nothing they could do. I was told that if I dispute the reports with the credit reporting agencies, XXXX will simply decline to respond. This should " resolve '' the issue because they will drop off of our report. They said this is their standard practice at the advice of their lawyer because they receive many such disputes on a regular basis. 

I asked for a copy of the documents with which I supposedly authorized this credit pull and credit account. They said they could not provide such a document. 

I have already disputed the inquiry ( with one agency ) as well as the account ( with all three ). The agency that has the inquiry has responded and indicated that because the pull did occur they can not remove it from my credit. However since this inquiry was made without my authorization it was in violation of the Fair Credit Reporting Act. ( In addition to this complaint I intend to pursue statutory damages under that act. ) The fact that they receive disputes regularly indicates they are knowingly continuing to perpetrate this fraud. Simply declining to respond to credit reporting agency disputes is not a satisfactory resolution.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called transunion because I am unable to get a copy of my credit report online on their website or the annual credit reporting site. When I called transunion the representative told me I cant see my credit report until I have three lines of credit and a mortgage. And until I have these I will not be able to get a copy of my report.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (RI)

On XXXX I XXXX XXXX the consumer, received correspondence from complaint # XXXX sent from EQUIFAX dating XXXX ; EQUIFAX conducted an investigation on my consumer report & found the accounts in my dispute to be inaccurate and unverifiable ( see attached file ). In correspondence EQUIFAX made clear I have the right to request the description of the procedure used to determine the accurateness and completeness of the information ( see attached file ). Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation. According to FEDERAL LAW, this must be sent to me within 5 days upon receipt. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the inaccuracies in the incomplete information. ( Example : Contract, audit trail, failing to have my written permissible purpose ). According to FEDERAL LAW, this must be sent to me within 15 days upon receipt. Furthermore EQUIFAX knows or should know that pursuant to 15 usc 1681a ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is OBTAINED through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. HOWEVER, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Im now requesting EQUIFAX provide me the name ( s ) of the person who theyve interviewed on my behalf to discuss my non public information to conduct the investigation and determine the investigation results. This is VITAL for me to know. Im a victim of identify theft and need to take necessary precautions. Thank you.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called XXXX XXXX XXXX in XX/XX/XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX   if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude  by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!
Consumer complaint received 2022-03-05
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. (NY)

I contacted Experian about the inaccurate information being reported on my credit profile. There was no resolution. I contacted the original company about the billing error they had on my account. This account has always been paid as agreed on time, this is a billing error made by XXXX and they are in violation Under 15 USC 1666b LAW. 

Experian is also in violation for not reporting 100 % accurate information on my credit profile. They did not help when i contacted them and now I am contacting your company to help with a resolution. The solution i am looking for is Experian to update XXXX account number XXXX to be updated to paid on time and no more late payment being reported.
Consumer complaint received 2022-03-05
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 FRADULENT ACCOUNTS AND SEVERAL FRADULENT INQUIRIES ON MY EQUIFAX CREDIT REPORT. I HAVE TRIED CONTACTING THE CREDITORS TO NO SUCCESS. 

FRADULENT INQUIRIES ARE XXXX XXXX XXXX XXXXE XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRADULENT ACCOUNTS ARE XXXX DELAWARE XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-03-05
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. (GA)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

I requested an extension on my COVID-19 forbearance plan on my FHA Mortgage from PHH Mortgage. 

On XX/XX/XXXX XXXX PHH Mortgage responded " Dear XXXX XXXX Please be advised we are unable to enroll the account under the Temporary Hardship Forbearance Payment Plan as the account is in foreclosure. '' I have copied and pasted from the Department of Housing letter issued XXXX XX/XX/XXXX. 
The U. S. Department of Housing and Urban Development Mortgagee Letter XX/XX/XXXX states " Moratorium on Foreclosures and Evictions and Extension of Deadlines FHA-insured Single Family mortgages, excluding vacant or abandoned properties, are subject to an extension to the moratorium on foreclosure through XX/XX/XXXX. The moratorium applies to the initiation of foreclosures and to foreclosures in process. ''
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online.

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report.

Please make them abide by Federal law. 

Please help.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am the mother of XXXX children with savings accounts in your institution. In XX/XX/XXXX, I went into a branch in Florida and opened XXXX custodial accounts. I have been struggling since then to save money for their future as every month Bank of America takes {$5.00} monthly fee from each account. At times, putting me negative and I have to add more money to just have a positive balance. To my dismay, I just found out that this is something that was not supposed to happen and the account was opened in XX/XX/XXXX incorrectly by the financial representative. The person put my date of birth instead of my childrens date of births and due to the representatives error, my children have been financially affected. Bank of America has been stealing my childrens money for years. I have been trying to save for their future, college, etc and it is to the point where I had to open accounts elsewhere because I am fed up with the theft of my hard earned money. 

I called Bank of America and was told that they could not return my kids money for the years that your institution has stolen from me. They could only go back to XX/XX/XXXX. How is this possible? The money that was stolen was not BOA money but my childrens future funds. Bank of America has been robbing us blind for years and will not do the right thing by reimbursing the service maintenance fee since the accounts have been opened as well as any negative balance and overdraft balance paid. As a Bank of America customer since XX/XX/XXXX, I am appalled at how this institution can rob childrens accounts and do nothing to fix it. I even went to an actual branch today and was told they could only do an incident report and wait 14 business days to see IF it will be decided to refund money that WAS NOT YOURS TO BEGIN WITH. I hope that this email reaches someone that can do something to change this.
Consumer complaint received 2022-03-05
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. (TX)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting false information in my credit report. They lowered credit score because XXXX increase my credit account. Also the balance they're reporting on the account is false not accurate. I have supporting documents!!!! I dunt have any balances on all of my credit cards. The only account with a balance is my car loan & XXXX!!! I have a line of credit of {$3200.00} how is it that I didn't even used any credit on my account not even 30 % score went down.
Consumer complaint received 2022-06-19
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. (SC)

CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-05
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. (NV)

In accordance with the fair credit reporting act convergent account, ( Business and profess in the amount of 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 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (TX)

Refinance home in XX/XX/2018 and pending escrow overpayments from previous mortgage lender. Payments released in 2 payments per lender, but larger payment in amount {$520.00} continues to be withheld by lender for no valid reason. I have made multiple calls regarding payment and advised each time that payment should be received in 7-10 business days. Calls made beginning XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Still being informed by agents that check will be issued I will receive in 7-10 business days.
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo " Pay Bills '' process delay in sending payments to payees. 
. 
When Wells Fargo customers select a " send date '' to pay bills from their checking accounts using the Wells Fargo online banking, the payments take anywhere from 1 to 5 days from the " send date '' to the " deliver date, depending on the payee, to reach the payee. The money is taken form the customers account on the " send date ''.

Therefore the customer has to take that date lag into account and schedule the payments at least 1 to 5 days before the payments is due to the payee. Any miscalculation on the part of the customer could result in late payments to the payee, and late fees from the payee and possible lowering of their credit score.

In the 21st century, why does it take Wells Fargo anywhere from 1 to 5 days to send an electronic payment to a payee? Other banks can send the payments right away to payees. Consumers can send money instantly from their checking account to another person using XXXX, XXXX, XXXX and the like. 

Is Wells Fargo using the payment dollar amounts as a interest free loan during the " send date '' and " deliver date '' 1 to 5 days interval. When you add up the thousands of payments Wells Fargo processes daily, they would add up to millions of dollars in Wells Fargo possession until the payments are delivered.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

coinbase.com locked me out of my account citing the need to verify my identity. No other financial institution has ever asked such things after account opening. I submitted the requested verification documents but they were denied. Since I have resubmitted many times and reached out to customer service with no feedback nor response. 
Initial submission of verification documents : XX/XX/XXXX - 3 separate attempts Initial email to customer service after failed attempts Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Next submission XXXX Email to customer service XXXX Next submission XX/XX/XXXX Email to customer service XX/XX/XXXX Submitted complaint on XXXX XX/XX/XXXX Its been nearly a month and they will not let me access my money nor digital currency. They are with holding these personal assets to which they have no rights. They will not respond to requests and we have been patient enough.
Consumer complaint received 2022-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I was am under the Public Loan Forgivness program. I have been in public service for more than 10 years. I was given advice that I was on the correct plan and that my zero payments based off of income would have qualified me for Forgivness. However, this is not the case. I have over years of non qualifying payments as I was put in a forbearance plan. The max is 3 yet I have over 7 years. I am not counting my bankruptcy which they always seem to point to. I am counting the years before that. I have attempted on multiple times for them to address this and they keep pointing back that i was in forbearance or bankruptcy. Again the max is 3 years. I am asking that these years that were in forbearance be converted to qualifying payments based on the fact that I would have qualified for zero payments during this time and had my student loans forgiven.