davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
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 (GA)

XXXX fail to remove an inquiry off my credit report, the inquiry is by capital one .I want this inquiry removed its fraud, XXXX has caused numerous of problems when I been trying to dispute this information and has rejected from helping me, Im filing this complaint and will attach a screen shot and a FTC identity theft report to this complaint, DO NOT PUT NO FRAUD ALERT on my credit report, you do not have permission to add anything at all, XXXX has transferred me constantly and hung up on me .I want this inquiry removed off my report .I can dispute anything I do not recognize on my report and anything fraud
Consumer complaint received 2018-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Finc opened XX/XX/XXXX - was included in bankruptcy while in bankruptcy the total amount was suppose to be lowered to blue book valued price and payments were sent during the bankruptcy. The vehicle while in bankruptcy was wrongfully repoed and sold. The ending balance was recovered in the sale but finance company is still reporting the incorrect amount and caused the bankruptcy to be dismissed after not reporting the correct amount. The balance reporting is still incorrect and should be deleted.
Consumer complaint received 2019-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (MI)

Real Time Resolutions , Inc. claims to be my mortgage servicer on a 2nd HELOC loan dated XXXX. They have given me a foreclosure notice by way of XXXX and XXXX 's XXXX XXXX. They are demanding {$42000.00}. I requested them to perfect the lien and they sent me Robo-signed documents. In my research to save my home, I have found Real Time Resolutions has been Robo-signing documents since XXXX. I have over 100 documents that prove they have been Robo-signing. The documents I have are from XXXX TX -- one county in Texas where the company is located. They have forged documents, recorded incorrect lien releases with improper addresses of the creditor, back-dated documents and falsified assignments. 

Real Time Resolutions has had their CFO, an Attorney on Staff and other low level employees being Notaries and signing as High Ranking Officers in at least 17 different banks including XXXX in a scam to steal people 's homes in foreclose on behalf of the " investor ''. 
RTR has no legal standing in these assignments, much less foreclosures. The lien releases given leave the consumer in a double-liability situation. The REAL creditor can come back on them as the releases are forgeries and Robo-signed. 

RTR was not named in the original Robo-scam settlement case of XXXX. They are continuing to Robo-sign paperwork as of XXXX. Two people specifically are shown many, many time son documents : XXXX XXXX and XXXX XXXX. XXXX has created the documents, XXXX signs as VP of the assigning Bank and XXXX then Notarizes it. Mortgage XXXX and XXXX XXXX. They have been working together for 14 years forging documents. 

I have attached a sampling of my findings. I have documents from North Carolina, Michigan and Texas where as documents have been Robo-signed.
Consumer complaint received 2020-11-06
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. (FL)

I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (AL)

I sent a letter certified to XXXX, Experian, and XXXX  on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX  and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.
Consumer complaint received 2019-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

on or about XX/XX/XXXX I called the mortgage department at Wells Fargo and asked if I could get the HUD RISK-BASE MTG INS PAYMENT waived since I was {$2000.00} from the {$110000.00} amount to have it removed. I was polite and listened to the lady tell me NO. Here is my complaint and believe me when I say, PEOPLE truly do not like Wells Fargo and their Business practices. I have been talking with a lot of unhappy customers. We have had our loan with Wells Fargo since 2012. Wells Fargo PURCHASED our loan and the we were told we had to pay a HUD RISK INS PREMIUM. WE have NEVER had to pay this before. I was told at that time when my loan got to {$11000.00} that it would be removed or if we had NO LATE fees for 5 years and we were in good standing. WELL we have only had 1 late payment in 7 years of owning this home and that was right at the beginning of 2012. SINCE then I have either paid more than the monthly amount and NEVER BEEN LATE. The lady told me it was 80 % of my loan, while the loan I got was for $ XXXX so that would mean at {$120000.00} I would have this {$110.00} REMOVE. I am very disappointed and distraught that Wells Fargo continues to harm us as a consumer, who is paying their loan on time and more than the required amount.
Consumer complaint received 2023-05-09
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NC)

Payment history provided by Ocwen is incorrect and shows where Ocwen has reversed payments on their end despite payment confirmations on our end. Ocwen reported our mortgage was 30+ days late to all 3 credit bureaus in XX/XX/2018, XX/XX/2018, and XX/XX/2018 which is incorrect. The payment records I've attached show the payments were correct and Ocwen 's record shows them removing payments from our account several days after the payments were made. There are currently 30 states that have filed lawsuits against Ocwen for similar practices. They also refuse to respond to any questions on the phone. Ive called numerous times and been disconnected, transferred, hung up on, given fake numbers that dont work, etc
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion on several occasions regarding two accounts still reporting on my credit report. These accounts are being reported by Transunion only. Transunion has provided me no verification or evidence to support the validity of these accounts and has ignored my request to have them deleted from my credit file. 

My most recent and " Final '' letter was sent on XX/XX/2020, and I have not received a response or indication that these items have been deleted. Transunion is violating my consumer rights as well as Federal Law by failing to provide any evidence that the information they are reporting is valid and accurate, and by not complying with my request to delete the erroneous information.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CO)

I have a court ordered annuity guaranteed the annuity payment {$170000.00} due XX/XX/2029 was sent to Chase XXXX {$44000.00} missing {$130000.00} I contacted XXXX XXXX XXXX XXXX they disconnected my calls policy # XXXX cant be found on the online resource. 
I notified the attorneys that filed the negligent lawsuit in NJ XXXX XXXX. 
Ive since been scammed on the internet filed an IC3 complaint and closed my chase bank account. 
Not sure why the company is in default of the court order. 
There is a gag order
Consumer complaint received 2023-08-22
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. (TX)

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly I am writing to file a formal complaint against the credit reporting agency Trans-Union , regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Trans-Union have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letters to Trans Union, disputing the accuracy and compliance of information reported by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Trans Union responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Trans Union Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned Trans Union apparent lack of vigilance in upholding the integrity of the credit reporting system. Trans Union play a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Trans Union failure to accurately report non-compliant information has led to severe financial and personal repercussions. 
Reporting Discrepancies : XXXX TransUnion XXXX Reported On Record To XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date ( per TransUnion ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment Date ( per XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Late in - XX/XX/XXXX XXXX XXXX XXXX Days Late in XX/XX/XXXX - - XXXX  Days Late in XX/XX/XXXX XX/XX/XXXX - XXXX  Days Late in XX/XX/XXXX XX/XX/XXXX-
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian is obligated by the FCRA to report accurate account information, consumer has advised All the inquiries reported are fraud, said company had 4 days according to LAW to remove such items. Consumer filed FTC fraud report, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer. 

Experian has 15 days to provide me with the name of the person spoken to, documentations used, signed application with wet ink signature. Consumer is not asking for an e-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed. Experian and its Trustee are liable under the SEC to follow specific rules. Experian commission file number XXXX. Trustee is XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX are all liable. 

Furnishing student loans on consumer reports is a violation of privacy act 1974 and Family Educational Rights and Privacy Act 1974 I have not consent to the publishing of this private information. I am requesting that Experian provide documents that they received from the furnisher in the past 30 days with my approval to publish this information.

I will be filing IRS form 211 ( XXXX XXXX XXXX ) to audit the consumer 's account. Experian is securitizing consumers data yet refusing to provide consumers a copy of their consumer file not consumer report. 

FORM TCR TIP, COMPLAINT OR REFERRAL with the SEC with the claim of security fraud. Experian is furnishing information on my consumer file without appropriate notification and approval as required by law. 

IRS Form 3949-A for the IRS to audit Experian with respect the my principal account and income Experian is making from the sales of the principal account consumer file. 

Remove all inquiries Remove all student loan file Remove utilization I want compensation as provided in law for every violation.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I have been called three times by a mortgage company. The first time I got their info and told them to take me off the list. Then they called again two hours later and again the next morning at XXXX. They are harrassing me. All three times I've told them to take me off the list.
Consumer complaint received 2018-06-18
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. (NJ)

Account paid in FULL via phone with XXXX XXXX : Tuesday XX/XX/XXXX. 
XXXX XXXX can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 XXXX XXXX  representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with XXXX XXXX. Recently spoke to XXXX XXXX regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with XXXX XXXX  to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will work with me. 
Please note : Married Name : XXXX XXXX ( EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX
Consumer complaint received 2023-07-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Only XX/XX/XXXX My debit card and ID were stollen from my wallet. On XX/XX/XXXX These items were taken to a Chase bank where money was withdrawn from my savings account. I called the fraud and claims departments and put a freeze on my account. Only XX/XX/XXXX there was another withdrawal from my checking account. I called Chase because my account should have been frozen. They froze my savings account but not my checking. Both accounts can be accessed with my stollen debit card. I have two factor authentication set up on my account, I received the OTC from the bank when the withdrawal was made. Evidently a teller is giving someone cash from my account with only my debit card and ID and not visually verifying their identity or requiring a pin or actual 2 factor authentication. A teller has also given away my checking and savings account numbers.
Consumer complaint received 2023-05-09
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. (TN)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MI)

I have been a customer with XXXX XXXX for more than 7 years. I dont have an active contract with the above company because the service wears continued after completed my last two years contact. I called XXXX XXXX to discontinue the service and was changed an extra charge of {$80.00} which I paid. XXXX XXXX told me to send their equipments after they send me the boxes. I have received the boxes about a week later then paid {$10.00} toward the final bill. I called to get the final bill because the app service was blocked to my username and told it will be mailed. Ive told customer service that I drive a truck and go out of town for weeks sometimes. On the the XXXX of XXXX, I have received a notification from my credit monitor that a negative credit report by Diversfied Consulatants, INC. hits my credit for nonpayment. I found that was a collection agency for XXXX who never ever contacted me by mail nor phone. I called XXXX and spoke to customer service who apologized then made a full payment of {$270.00} on XX/XX/19. On XX/XX/19 Ive received a notice from Diversified Consutants, INC. to referred for collection. The notice was dated on the XXXX of XXXX and my payment was paid on the XXXX of XX/XX/XXXX5 dates before receiving their notice. The company had my last name different than my name.