davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of XXXX, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX andXXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2022-10-11
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-16
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. (CA)

I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2019-10-16
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. (NM)

I have one student loan account it is in good standing I talk to XXXX On my credit report it showing I have nine installment accounts And they refused to make it into one so it shows on my report as one installment  account
Consumer complaint received 2022-03-21
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: CREDIT ACCEPTANCE CORPORATION (OH)

CREDIT ACCEPTANCE CORPXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

XX/XX/2019 Ocwen renamed their company/merged their company to a PHHXXXX XXXX Ocwen had been successfully accepting payments every other week per bank account for years prior. 
The " new '' company didn't send any new information for months after their merger, etc, and our payments went into a suspense account. Nothing was being applied, but held and then sent back to us, the homeowner, months late. 
The new company then proceeded with foreclosure action and additional fees. 
We hired 2 attorneys to assist AND a forensic accountant, XXXX XXXX, of XXXX MN. We have tried to get help with a Federal Housing Authority, XXXX XXXX XXXX out of XXXX MN. 

We stopped the foreclosure with an Affidavit of Postponement. 

Then, COVID happened AND This company PHHXXXX REZ refuses to provide COVID 19 protection claiming " we, the homeowners '' were past due in the account. 

This company has sent 10 copies of identical paperwork in print so incredibly small that it is unreadable even with magnification to all the people we've previously worked with. We have had letterhead addressed to XXXX sent to the home address. 

There is so much to upload .....
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On several occasions i have called Capital One to discuss my credit account. i have never been able to complete a phone call with any representative of the company until today XX/XX/2019. I am usually placed on a hold and my call is then disconnected or when a representative does come on the line they say they are unable to hear me and disconnect the call. I have been unable to use my credit limit when below my credit line. I was able to learn from a representative of the company identified as XXXX that my credit limit had been restricted for missed payments ( missed payments which i do not dispute and have since fully paid the balance ), when i pressed on where information about the restriction could be located in the cardholder agreement i was placed on a fifteen minute hold before the call was disconnected. i then was able to speak with a representative that did transfer me to a supervisor ( XXXX  ) to file an internal complaint with Capital One about what i believe to be misconduct and avoidance by the previous representatives.
Consumer complaint received 2019-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Braviant Holdings, LLC (TX)

On XX/XX/19 ... I went online to balance credit. Com. After receiving 2 mail offers of pre approval letters of a install loan up to 1400.00 On XX/XX/19 I went online, completed the application and was advised I was approved for a amount of XXXX dollars. I called the csr li n.v e and they told me I would receive the funds in my account the next day on XXXX.. well later on in the day I log back on to check the first pay date and seen my app was now closed I called and the top told me I was denied with no explanation. I asked how could I be approved one min and denied the next even after giving my full bank information. Now no o w can tell me why it denied but they have ran my credit and has all my bank info. I'm filing a complaint for false advertising and fraud on my account.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (DE)

My identity was used in XX/XX/2019 to purchase store credit cards from ( at least ) four companies [ XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. ] The product that was shipped to me was returned to the stores, refunds were given, credit bureaus notified, and a police report filed [ Delaware XXXX. ] Two Banks [ Fortiva XXXX XXXX XXXX XXXX Georgia, and XXXX XXXX XXXX XXXX Ohio ] have ignored all communications in regard to the fraud and continue to harass me for charges that are not mine. Last week XXXX began a ruthless phone campaign against my wife ( who has nothing to do with this issue ) and started calling her cell phone five to ten times a DAY.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (WA)

I am in process of applying mortgage through www.better.com and they asked me to sign a blanket form and told that they can not move the application until I sign the blanket form.

Please see the attached form XXXX XXXX XXXX XXXX XXXX This is the borrowers authorization form with a summary of this. Once I sign it means, that I have authorized them to access any of my data any time they want. Which could mean, they can check my credit report every day. 2. they could check my taxes every year 3. they could check my bank accounts 4. they have all rights, even after I close the account, because it is a blanket statement. In contrast to the above, I showed them XXXX and XXXX form, both of which have time limit, where it says they can access documents for 1 year or some agreed time limit between both the parties. While this better.com authorization form has NO time limit, NO mention of what documents they can access.

I tried to convince them so many times and they haven't even considered the request.

Thank you, XXXX XXXX
Consumer complaint received 2019-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

This issue took place once I requested a Medallion Signature Guarantee regarding me updating my name on my XXXX account. The individual who had the authority to provide me with the Medallion Signature Guarantee started questioning me regarding the XXXX account, he was hostile and demanded to know how much money was in the XXXX account, what I was investing in and what did I need the Medallion Signature Guarantee for. I advised him it was for a name change form that was sent to me via XXXX. 

After he refused to provide me with the Medallion Signature Guarantee even though I had my decree letter in hand which was what I was advised needed to be presented and with the court seal on it he still refused to provide me with Medallion Signature Guarantee. I then decided to closed my account with Wellsfargo due to the horrible customer service. 

Even thought I closed the account I requested access to pull up both XX/XX/XXXX and XX/XX/XXXX account statements and was advised that they should be accessible, but they are not because my access had been limited. 

Wellsfargo has been contacted numerous times regarding the access to the account so that I could have a copy of all my transactions performed during my time as a Wellsfargo account holder. The has emailed me several copies of the XX/XX/XXXX statement but not once have I received the XX/XX/XXXX statements and I have requested them three times now.  Nor can I login and pull them down as a PDF file on my own. 

I believe this act was caused due to me complaining on the man who could have provided me with the Medallion Signature Guarantee.
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

I NOTICED ON MY CREDIT REPORT A CLOSED ACCOUNT FROM WELLS FARGO THAT DOES NOT BELONG TO ME I WOULD LIKE THIS REMOVED FROM MY ACCOUNT IMMEDIATELY. I'VE CONTACTED THE COMPANY SEVERAL TIMES THEY HAVE THE INCORRECT ADDRESS ON FILE XX/XX/2019 DEBT {$2900.00}
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As far as I know, FCRA 605B requires us to eradicate any inaccurate entries from my credit report. Would you please verify the documents? I'm feeling uneasy about some of the listed accounts, as they seem to be incorrect.
Consumer complaint received 2022-10-11
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. (AL)

Dear XXXX, TransUnion, and XXXX There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-04
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TCF NATIONAL BANK (IL)

TCF BANK CLOSED MY ACCOUNT WITHOUT GIVING ME ANY INFORMATION. FROZE MY FUNDS AND WO N'T ALLOW ME TO GET MY PAY CHECK THAT IS BEING DEPOSITED. WHEN I WENT TO THE BRANCH THEY DID NOT GIVE ME ANY INFORMATION OTHER THAN I HAVE TO WAIT FOR A LETTER. WHEN I CALLED THE LINE IT 'S THE SAME INFORMATION. I HAVE BILLS TO PAY AND KIDS TO CARE FOR. NO ONE EVER TOLD ME THIRD PARTY DEPOSITS ARE NOT EXCEPTED ESPECIALLY SINCE I 'VE BEEN USING THIS BANK FOR YEARS AND SO HAVE SEVERAL OTHERS I KNOW THAT DO TAXES.
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I called my Mortgage Company XX/XX/XXXX. I stated that they had increased my monthly payments because of an escrow shortage XX/XX/XXXX, and they had told me at the time that once they made up for the shortage, my payments would return to my previous amount. They had not changed, so I asked them to please investigate and let me know when that would be fixed. I called again in XX/XX/XXXX, because I had not received any communication from then. I was told someone would get back to me. Then, in XX/XX/XXXX I received a letter stating that there was " another shortage '' in my escrow account, and they would be increasing my payments again! Each time this has happened, it has been right after I called to complain about something. The first time, I requested a full disclosure of my escrow account, and the amounts in it. I feel like I am being retaliated against for requesting information that I am legally entitled to.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
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. (GA)

XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2022-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist bank formally Suntrust received monies to pay off a HELOC account from a refinance. The monies were received over two weeks ago and cashed ( I have a copy of the cashed check back and front ) over week ago and the cash is still not showing on my account looking like I still owe them money. Despite numerous calls to customer service it is not resolved. I need to know where the money was deposited
Consumer complaint received 2019-10-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc. (VA)

I moved out from XXXX XXXX at XXXX XXXX XXXX, XXXX, Va XXXX on XX/XX/2019. On XX/XX/2019, I received a handwritten itemized note trying to get move out fees totaling {$1700.00}. I disputed with XXXX XXXX on XX/XX/2019 on their charges. I did not receive any response from XXXX XXXX instead I got a call from someone calling from ( XXXX ) XXXX who said he represented XXXX XXXX to collect {$1700.00} from me. He threatened to report to the credit bureaus if I dont pay it at that time. He also said my daughters credit file will be messed up. Of course, credit file is a big deal to a fresh graduate from XXXX XXXX. I refused to speak with him. I emailed to XXXX XXXX immediately on this. They confirmed that they had appointed National Credit Systems to collect the money from me. This company never sent me any correspondence prior to calling me on XX/XX/2019. As of today, I have not received any correspondence from National Credit Systems. I am very worried that they are going to ruin my daughters credit file since she was also on the lease. Please help.