davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

XXXX XX/XX/2021, I submitted a complete loan modification application with XXXX c/o PHH Mortgage Services ( Ocwen ) and XXXX confirmed receipt thereof ( see attachments ). On XX/XX/2021, on a telephone call with Mr. XXXX XXXX ( my assigned single point of contact ) was told by Mr. XXXX that my loan modification application had been approved and loan modification paperwork requiring my signature would be mailed out within the next several days. As of XX/XX/2021, I have NOT received said promised loan modification paperwork and my home is set for a foreclosure sale date of XX/XX/2021. I am a CA homeowner who along with my family been impacted by COVID and I have been trying struggling with XXXX to complete my promised loan modification and keep my home. If the XX/XX/2021 foreclosure sale happens, my family and myself will be homeless. XXXX acts above the laws ( California Homeowner Bill of Rights, and Federal laws and mandates ) that protect me as a homeowner. During this entire loan modification process, I have had an ACTIVE foreclosure sale date hanging over my head. Large amounts of people have been at my home due to the XXXX foreclosure sale endangering my self ( I have underlying medical issues ) and my family ( below the age of vaccination ) health and possible lives. Dual tracking is clearly what XXXX is doing and has not been held accountable for it/s unlawful actions. Single Point of Contact - Mr XXXX ; I cant get a hold of him unless I make a 2 week in advance appointment with him. Further, Mr. XXXX speaks with a heavy accent which makes it very hard to communicate with him. XXXX keeps adding unauthorized fees and has placed forced insurance on my home all the while increasing my balance. XXXX has not offered my any information concerning avoiding foreclosure. I have continued to call XXXX requesting them for my approved loan modification paperwork and I get no response. My house is set for a foreclosure date of XX/XX/2021, during XXXX season - what company does that? 
I want to keep my home, please send me my approved loan modification paperwork.
Consumer complaint received 2019-01-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc. (AZ)

I gained this debt in XX/XX/XXXX, I contacted the XXXX company for the debt 1 year ago to ask if they would settle at that time they said no, 2 weeks ago around XX/XX/XXXX I was contacted again asking if I'd like to settle, I said I'd need to speak to wife get back to me in 2 weeks. 2 weeks was today and I spoke with an individual by name of XXXX ( Not sure of spelling ) telling me If I couldn't take the settlement they'd proceed with further actions and I didn't want that because they'll garnish my wages and seek judgements against me. I told them I was XXXX and on XXXX and was unable to be garnished to which the individual got very nasty and asked if I was gon na be a " REAL MAN and pay my debts '' etc. this went on for sometime he hung up on me, I called back and asked for his supervisor and he told me I must have no life and what kind of man are you, I deceivedh im and told him I had recorded his behavior, to which he said that it's illegal, I quoted arizona state law that states only one party must be aware me, He then said it was fine he had already recorded me. I spoke to his supervisor who informed me that if he had recorded me I would have heard a PROMPT saying I was being recorded, However I heard a recording start sound similar to one on a personal cell phone. When I informed the supervisor that at this point I have reason to believe it was recorded and it was a clear HIPPA and Fair Debt Collection act violation the supervisor said he'd talk to the offender in question and that it doesn't change anything in our situation however.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I sold my property on XXXX XXXX ( this is the date XXXX using because my check for {$12000.00} was dated for this day and I know for sure I didnt attempt settlement on XXXX XXXX because I received an email from the Buyers, XXXX advising me it was moved from XXXX XXXX XXXX XXXX. My spouse on the other hand received an invitation regarding settlement on XXXX XXXX, I have a signed document dated for XX/XX/18 with his signature on it, I have wire instructions from our realtor to my spouse asking him about how he wanted his money wired to him .. me however, received XXXX email from the buyer that settlement was moved and I also received something on XXXX XXXX that settlement was canceled on XXXX XXXX and I also have an electronic signature dated for XXXX XXXX so XXXX not sure who stole my proceeds from the fraudulent scam that involved so many people. XXXX not sure who impersonated me on XXXX XXXX settlement and Im not sure how much is owed to me because I know I was promised {$75000.00} amd I only received {$12000.00} but considering that fraud occurred- I am assuming that the stakes are much higher now. I am asking your help with the following things. First and foremost- I am asking you to help me bring the individuals that robbed me blind and conspired against me In an effort to steal and make my family homeless - help me bring them to Justice and possibly put them out of business for their malicious, premeditated fraudulent scam that was well thought out!! I want to make sure that ko family ever has to experience what mine has. XXXX help me find my wire transfer that is most likely in my name since I was the owner of this property for more than 20 years. XXXX help me get them to return my title because they dont deserve it. I currently have the following officials working on an investigation for meXXXX XXXXeal Estate Commission, Dept of Investigation and Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have the Attorney General conducting an Insurance Fraud Investigation , I also of the Department of Banking conducting an investigation relating to my mortgage that was possibly never paid off. 
I have alot of evidence that I collected over the years and I can provide you with this to back my allegations. There may be family members involved that I live with currently but I do not know who has jurisdiction over my dad, sisters, brother in law. I also have internal affairs working to help me with another family member that is a cop. If you need any information you can contact me directly or refer to us Bankruptcy Court or a United States District Court. There is a lot of evidence there too. XXXX
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX Wells Fargo ( WF ) removed {$2500.00} from my checking account statement dated XX/XX/XXXX. This was done after a very long fraud suite . Which I had sent CFPB a complaint and received a letter from the WF Executive Office Case Specialist, XXXX XXXX, who said in his letter XX/XX/XXXX, that if I have a questions to call him. But after many messages and no reply. I am needing CFPB 's help. My XX/XX/XXXX statement, on XX/XX/XXXX XXXX removed {$2500.00}. This was not their money! The description says : Online Advance Reversal Case XXXX. The only advance made was to account XXXX the fraud money on XX/XX/XXXX. XXXX which was withdrawn on XX/XX/XXXX for the fraud wire transfer. I didn't receive any other advance to help pay my bills. I question a transaction on a statement dated XX/XX/XXXX Personal Line of Credit acct. XXXX. On XX/XX/XXXX ( after all accounts where closed and stopped for transactions ) a {$2500.00} withdrawal was made with the description " Balance transfer for acct ending in XXXX '. I have not had a XXXX account! So this must be the third parties account number who received an advance. It sure wasn't me! WF owes me the {$2500.00} they withdrew on XX/XX/XXXX from my acct XXXX!!!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my transunion credit report. its also prob on my XXXX XXXX XXXX too.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (FL)

Open a savings and checking account with Chase Bank. Accounts were approved and open made a deposit 2 days later informed that accounts were declined. I set up direct deposit with my Human Resources Dept faxed letter received from Chase.Attempted to sign in on my online accounts and password was not accepted. I called customer service only to be told my accounts was denied. I explain I went into a branch and made two deposits. I was told that I will be receiving a letter and a refund within 14 business days. Who does this? The embarrassment of contacting my HR department explaining my account was denied and trying to open an account is highly embarrassing. Very bad practice. I am devastated.
Consumer complaint received 2023-10-02
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. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-06-29
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. (VA)

My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX continues with the help of Midland Credit, to list a bill that I paid last month still owing on my credit report. I sent a money order for $ {$420.00} on XX/XX/XXXX and they still list me owing the same amount to Midland and to XXXX. It is the same bill listed twice and I have contacted XXXX by phone and by mail and they will not update my report. The bank says it is processed. I called the bank on XX/XX/XXXX .Why should I pay a bill if Midland is not going to honor my payments? Midland is the collecting agency for XXXX. MCM account number is XXXX. 
HELP please!
Consumer complaint received 2022-05-18
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. (IL)

In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXX Ct XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL 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 an account without my written instructions.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ARS National Services, Inc. (CA)

On Saturday XX/XX/2022 I was awakened by my phone at XXXX! Usually you get bad news at this time of the overnight/early morning. This was especially troubling to me as my sister just passed away XX/XX/2022 and I got the message in the early morning hour. So imagine my panic, nervousness, anxiety and stress as I reached for my phone. Once I saw the message my emotions went straight to anger, shock and disbelief! What debt collector has the nerve to contact someone at XXXXXXXX XXXX not to mention it was also XXXX XXXX XXXX weekend. I was and am beyond furious at this company 's bullying and harassment tactics! This is not acceptable on any level. The company even states on their website they can not contact you before XXXX or after XXXX. They are not following their own rules set forth by the Fair Debt Collection Law!
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the information being provide on my credit report is wrong. I did not recieve any XXXX XXXX and medical bill/charges that have ever been billed were covered by my ex-spouse 's medical coverage as well as state health care coverage. And I would like to note that I am being put in collection under false pretenses in the year XXXX for my child 's medical bill who I do not have custody of as he has been in his father 's care the entire XX/XX/XXXX year and has him under his medical insurance which he is covered through with the federal government and my ex-husband is responsible for any outstanding balances in regards to that. I also contacted the collection agency on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I was told that they could not verify my information thus could not provide me any details with that said then why do they have my information and negatively reporting information that I owe them. I would also like to note that I have had continued issue with identity theft since XXXX as well as my ex running up my credit without my knowledge as he took advantage of me due to my XXXX XXXX XXXX XXXX caused by XXXX and XXXX XXXX and XXXX XXXXXXXX I have gone theough.
Consumer complaint received 2021-10-30
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: STATE EMPLOYEES CREDIT UNION (NC)

Dear XXXX : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of XXXX XXXX Card and XXXX XXXX, Copy of XXXX Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX APEX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX LONESOME XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX PINE XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX. XXXX - CARD SERVICE Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  SPECIALISTS Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. NC XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( XXXX ) XXXX days as required by the Fair Credit Reporting Act.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (LA)

On XX/XX/XXXX, I discovered that GM Financial had been re-inserted into my XXXX  credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance gm has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.