davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
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)

This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX XXXX account in XX/XX/1994 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

5. XXXX - I've called numerous times to this creditor. They tell me that they don't have my information and are not reporting. However this still appears. I would rather address this than to have it affecting my report for XXXX. I've tried everything to get to a solution about this with XXXX. 

Thank You
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

My mortgage was transferred to Mr Cooper effective XX/XX/2019. I made XXXX and XXXX payment. I sent up autopay with my bank for the XX/XX/2019 payment and due to a technical issue the XXXX payment did not get processed. I was unaware that the payment had not been sent. Upon notice that Mr Cooper had not received a payment I immediately sent the XXXX and the XXXX payment. I called Mr Cooper to see if I could resolve the situation and they said they didn't care if it was a bank problem or not and they were reporting the late payment to the credit agencies. This dropped my credit score 70 points and I am unable to refinance this property. The current rate is 6.875. 
Auto pay is working and there have been no late payment nor will there be. Since this occurred right have a transfer can this be corrected.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a credit card with Bank of America. On XX/XX/2018, I identified two transactions that were fraudulent, both transacted through XXXX. Bank of America immediately removed them from my account. On XX/XX/XXXX, Bank of America sent me a letter, indicating that they have decided the one transaction ( XX/XX/2018, XXXX XXXX XXXX NJ, {$940.00} ), is NOT fraud, and put it back on my account. 

I spent at least 12 hours on the phone ( mostly on hold ) with Bank of America, and got extremely little transparency of how they made that decision. I ended up calling the vendor, who was very forthcoming and gave me the tracking info ( it  was a camera ). The tracking info shows that whoever committed the fraud has my address and had asked for it to be shipped to my address, but in talking to XXXX, the delivery was diverted to a XXXX center ( instead of my house ). It was picked up on XX/XX/XXXX, around XXXX, in my name. This is impossible -- I faxed documents to Bank of America ( fraud fax number that was provided to me on one of my long calls ) that show I was on an airplane, flying for work to XXXX, at that time. I have both the invoice for that flight and the crediting of the flight to my mileage account ( which only happens once you have physically flown on the flight ). 

There is no way I could have picked it up. We, regrettably, do not even own a camera, and I did not place this order. 

I asked Bank of America, in that fax, to please confirm receipt of the flight information, which I have not received, and could not confirm after spending another 30 min on hold. At this point I am turning to you for assistance. I appreciate the help.
Consumer complaint received 2020-12-13
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: Onity Group Inc. (CA)

This is 2nd complaint about the loan modification flag on my credit for the months XXXX and XXXX. The company responded that they made a mistake in XXXX. But has not corrected XXXX. I have not requested a loan modification. The company sent me a letter acknowledging their error for XXXX but has not sent a letter acknowledging the XX/XX/XXXX issue. The XXXX report is the same type as the XXXX and XXXX errors and is evident by way of their own written notice to me admitting the error they made the same error in XXXX and XXXX. Attached is the letter as well as the credit reporting for XXXX. In the letter they state they are reporting the loan u der a non governmental plan for XXXX, this is not correct. Please see the credit alert attachment clearly states " LOAN MODIFICATION " as of XX/XX/XXXX. PLEASE CORRECT YOUR ERROR AGAIN. These fraudulent reporting is negatively affecting my credit. What is my legal recourse? At what point does this become fraudulent!! At what point do their action become criminal. Please contact me with legal recourse I formation CFPB.
Consumer complaint received 2020-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (ID)

I made an additional principle payment of {$1500.00} on XX/XX/XXXX to from my checking to XXXX # XXXX on my Home Equity loan with Key Bank. They applied the payment to XXXX # XXXX instead. I called customer service on XX/XX/XXXX and asked them to fix the error and allocate the full {$1500.00} to XXXX # XXXX and was told that the request was put in and would be complete in 2-3 business days. KeyBank reversed the payment off of my loan, but after 4 business days still had not applied it to the correct XXXX. The payment was payment was not anywhere on my loan, nor put back to my checking, it was simply missing. On XX/XX/XXXX I went into the XXXX Branch and spoke with XXXX who said I needed an appointment and she would call me at XXXX that day. She never called me, so I went online and set another appointment for XXXX the next day on XX/XX/XXXX. I had to call the branch on the XXXX and leave a message for XXXX to call me. When I finally spoke with her she said she put in a request to get the {$1500.00} applied to XXXX # XXXX and it would be complete in 2-4 business days. After 5 business days, again the payment was not posted. I spoke with XXXX at the XXXX branch on XX/XX/XXXX and was eventually told he spoke directly with the back office that processes the payments and that it would be posted in a day or 2. After 3 more business days, still no payment. I called XXXX back on XX/XX/XXXX at XXXX am. He called back at XXXX and said that neither the back office or his Operations Lead can explain why this is happening or give an XXXX for it to be fixed, I just have to wait. It has been 3 weeks since the payment was initially made.
Consumer complaint received 2022-06-10
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. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # 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 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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. (CT)

EQUIFAX AND XXXX IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (NM)

On XX/XX/XXXX I put in a requests for an extension to see how much it would be for a 30 day and a 60 day extension after viewing the amounts so I knew what to set aside the company canceled my requests. Then on XX/XX/XXXX I submitted another request for a 30 day extension this was provided but was over {$900.00} and is {$600.00} away from what is due in total on the account currently. I made a {$130.00} payment today and have two payment schedules to come out within 30 days. The company XXXX doesnt seem willing to work with me.
Consumer complaint received 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (WY)

XXXX XXXX XXXX  was chosen by XXXX XXXX  to finance the car. XXXX XXXX committed fraud on some things, but that's another issue. Car was purchased in XX/XX/XXXX, ai believe.

In XX/XX/XXXX, the car was totalled by hail. It had comprehensive insurance and also gap insurance. XXXX continued taking payments of XXXX automatically from my account, finally stopping only when I paid XXXX to stop paymenta. XXXX removed 3 payments after the car was totalled.. They then received full pay off by XXXX XXXX and my GAP insurance. For the value of the loan on the day of the storm loss.

I have made multiple contacts and get a different story everytime. No one will account for where my money is or get me my refund.
Consumer complaint received 2018-11-16
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)

On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (IL)

A debt collection agency is trying to collect a debt from a person that is not associated with me in any way. I have never owed an unpaid debt. The company has, since XXXX of this year, sent me five phone calls and two text messages from several different phone numbers, which manage to bypass the spam filters on my phone. In addition, they provided personal information of the person who they were attempting to collect a debt from without first verifying that they were contacting the correct person.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (VA)

In XXXX there was a car purchase in my name without the proper paper work they needed. The other person that was with me took them a fake check stub now he has the car. The dealership also know about this I have spoken with them the next day. They also states that they're going to remove my name. Yet they didn't. The dealership and the other party involved used that check stub and wilth all said I haven't worked in a year. The bank Westlakefinancial also have a fake check stub and they are aware yet didn't do anything about it. I gave been try to fix this since XX/XX/2021.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I received a credit file dated XX/XX/2022. The confirmation number is XXXX. I noticed fraudulent activity on my credit file. Equifax has allowed me to be subjected to fraud by allowing inquires that I did not benefit from to be reported on my consumer profile. According 18 USC 1028A these companies obtained and disclosed my credit report under false and fraudulent pretenses which constitutes identify theft. This type of activity is in violation of 15 USC 1642, USC 1681m, 12 CFR 1001 because I, the consumer, made an application in good faith, but no credit was issued. Furthermore, my social security was used and I received no benefit. This is proof of fraudulent activity unauthorized use of my credit card by the inquiries on my credit report.
Consumer complaint received 2020-09-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

I have new and updated information regarding complaint number : XXXX. 
Hayt Hayt and Landau P. L. a third-party debt collector is withholding documentation to verify the validity of their claims. I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt. Please include all the terms and conditions that are included in this purchase agreement.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CoinZoom, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinzoom 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Coinzoom which is regulated.
Consumer complaint received 2018-11-16
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To whom it May Concern : I have reached out to my credit card company ( Capital One ) to resolve an incorrect reporting to the credit reporting agencies. In XXXX, XXXX, and XXXX of 2017, there are 30 day late payments reported. I have submitted proof that the minimum payment amounts were drafted out of my bank account and credited to my account at Capital One, but they didn't respond to the Credit Reporting Agency ( XXXX XXXX ) and the dispute was completed without a change. I have also reached out to Capital One, mailed my proof and never heard a response. 
I feel frustrated and need your help
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-05-02
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. (GA)

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.
Consumer complaint received 2020-11-01
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. (NY)

To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXXXXXX I called XXXX XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX report but on Equifax report it is still there. I have attached pictures to show it was removed from transunion. Equifax it never came off.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc. (FL)

In checking my credit report I see that I have a collections account listed with XXXX XXXX XXXX. They have never sent me any letters in attempting to collect this debt. I was suppose to receive a letter explaining who they are and why they are contacting me. I should have had a chance to dispute this debt by asking for information about the original creditor. That never happened. 

In addition, there have never been any phone calls, emails or contact with this company. They are not trying to contact me, they are simply reporting this account to XXXX and XXXX.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (CO)

DIRECT DEPOSIT for XX/XX/XXXXXXXX XXXX did not arrive for me to pay my bills this month due to XXXX error with routing number according to XXXX customer service agent during discussion today, XX/XX/2022. 

Correct routing is XXXX XXXX payment was reversed from XXXX due to routing number problems. Notification today XXXX XXXX XXXX 

Identity was stolen or duplicated in XX/XX/2022 requiring an initial fraud alert to all 3 credit bureaus caused by XXXX lack of security with credit card ending XXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have wrote and sent letters to Transunion credit reporting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have a public bankruptcy removed that was dismissed back XXXX went to the XXXX XXXXXXXX XXXX  received certified letter stating they are not reporting the dismissed bankruptcy to any credit bureaus because no money is owed on the dismissed bankrupt and I sent letter to Transunion on 4 separate occasions and I keep getting letters stating they have verified the bankruptcy and I went back to the court which provided me with another letter stating that is incorrect because they did not validate any bankruptcy with Transunion. And they still have not removed the incorrect public record from my report