davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate XXXX XXXX XXXX  Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4000.00}.
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.
Consumer complaint received 2016-09-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BMO Bank, N.A. (IL)

I purchased my home XXXX/XXXX/2015 with BMO Harris Bank with the condition that my loan would be sold to XXXX Bank with in 90 days due to me having a XXXX down payment assistance loan with XXXX and XXXX XXXX is servicer along with my loan being an FHA. Come to find out I was still signing paper work after my closing due to neglect that was left out of my closing paperwork. Now, in XXXX. I was told they put the wrong interest rate on my closing paper work. Should have been 3.75 % and they had 4.25 %. So to cover themselves they wanted me to sign a modification stating I was in default on my mortgage and I was having trouble paying my mortgage! This was fraud! This I did NOT sign. I did sign an agreement to have the interest rate changed to 3.75 %. Now I have been sending my XXXX payment to XXXX XXXX as XXXX dose not deal with BMO. This has been going on for a year. Now I was told XXXX XXXX refused to buy my loan due to numerous errors on my mortgage. So now I am stuck with BMO Harris and all the errors that keep happening. One example is I make my mortgage payment and add additional to escrow and tell them to apply it to escrow and they put it to the principal every time. I then contact them and it takes days for them to fix. This happens every time. Also I was told by XXXX ( XXXX ) that BMO fronted the money for my down payment assuming they would sell my loan to XXXX XXXX and now that it did n't happen I have to pay BMO back and not them. XXXX is taking the terms and conditions of my XXXX loan and using this to be paid back. No money was ever exchanged between XXXX, XXXX XXXX or BMO. This is not what I agreed to. None of this is. I have requested all of my mortgage paperwork form BMO including what was sent to XXXX XXXX. Some of the paperwork I did n't have and they do n't have a lot of what I have. But there are a few pieces of paperwork that stand out. One was my interest is supposed to be 3.50 % for and FHA loan which I have and a conventional loan is supposed to be 3.75 %. Also the cover sheet I have that was supposedly sent to XXXX XXXX stating they were selling my loan to them had the interest rate of 4.25 % on it! This is just a quick over view of what has been going on for over 15 months and keeps continuing. All the errors just wo n't stop. I have talked to numerous people about this, asked to talk to someone at corporate and I get nothing but a run around. I have a XXXX page time line of all the errors and mistakes that I have given to numerous people at BMO and still nothing is being done. Being a first time home owner I will never do this again. I have all paperwork and over 200 emails to back up all that I have stated if you need them.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NY)

Dear person in charge This is a second attempt to ask for your help to resolve our case with Loancare ( COMPLAINT ID XXXX ). 
They said that they would mail us the loan modification document within 45 days, but never did. 
We have been waiting for two and half years for our promised loan modification. We call every month and are told soon it will come. 
We have been paying the trial amount of {$620.00} or more every month at the interest rate of 4.375 % since XX/XX/XXXX. 
ScienceHurricane Maria of XX/XX/XXXX, we have been offered an abatement without penaltyor being reported as delinquent. Yet Loancare / XXXX XXXX / XXXX continued to charge the full interest rate of 6.875 % till XX/XX/XXXX and they reported us as delinquent destroying our credit rating. Constantly promising that we would be sent a loan modification mortgage. We have still not received it. 
We sent our information to the XXXX XXXX XXXX on XX/XX/XXXX. We were told by Loancare we would have a written response to our complaints on XX/XX/XXXX within 30 days. Nothing was ever sent by Loancare. 
Our payoff amount does not reflect all our ( 23 trial ) payments or the new reduced interest rate. 
We are about to sell our house and need an accurate payout statement immediately. 
I feel Loancare has deliberately charged me many thousands of dollars through their lies and stalling tactics. 
Now in the payout statement, it is still not adjusted to the new interest rate or even giving me credit for all my " trial '' payments since last XX/XX/XXXX. 
Our conversation with a worker in the lost mitigation department, XXXX, XX/XX/XXXX, confirmed that our interest rate has been 4.375 % and all our trial payments have not been deducted from the payout document. 
Best regards, XXXX XXXX
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

XX/XX/2024 Contacted support 4+ times for this and they haven't managed to get it resolved even after thoroughly explaining the situation for them. 


" We're unable to continue processing payments for this account We strive to provide our customers with seamless and user-friendly payments solutions. Unfortunately, sometimes we can't process activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. 

Based on the information we have today, it appears that there was activity on this account that we can not process. Specifically, the sale of XXXX oriented materials or services. 

What can I currently do with my account? 

Unfortunately, at this time most of your account features have been deactivated. You can still view your transaction history, download account statements, or request copies of your data. 

We may hold any funds in your account for up to 90 day ( s ) to cover things like chargebacks or other financial liabilities. We'll review the account periodically to see if we can release any remaining funds sooner. We'll email you the outcome of each review. 

We're required to keep some of your personal information for up to 10 years, and we'll automatically delete what we can during that time. Find out more about our data policies. 

How can I learn more? 

To learn more about the types of activity we can't process, read the Supported Activity section in our Help Center.

We understand this news may be disappointing. We apologize for the inconvenience. 

Thank you for choosing PayPal. ''
Consumer complaint received 2023-03-20
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information that has been reported on my credit report. After reviewing my credit report, I have noticed several items that are incorrect and I request that they be removed from my report immediately. 

Firstly, the personal information listed under account number XXXX XXXXXXXX XXXX XXXX NJ XXXX, dated XX/XX/XXXX, does not belong to me. This address belongs to someone else and should be removed from my report immediately. 

Secondly, I have no recollection of authorizing a credit pull by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not give any authorization for this inquiry, and I demand that it be removed from my credit report. 

Finally, the account number XXXX under the name of XXXXXXXX XXXX XXXX is questionable. I would like clarification on this account, or I demand that it be removed from my credit report. 

I am requesting that these items be investigated and removed from my credit report as soon as possible. I appreciate your prompt attention to this matter, and I look forward to receiving a response from you. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XXXX, in response to cfpb complaint XXXX, Specialized Loan Servicing promised to send a refund check to me for fees they collected improperly after taking months to reply at all. 

No refund has ever been provided. So they don't keep promises to the CFPB either!
Consumer complaint received 2019-10-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Consumer complaint received 2019-07-04
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

OnXX/XX/2019I logged onto my online account with Direct Express Debit Card/Comerica Bank and noticed 2 debit reversals on XX/XX/XXXX of {$89.00} totaling {$170.00} so I called Direct Express and ask why my account was debited today. After waiting on hold for almost 2 hours I spoke with XXXX from the company and she said they took the provisional credit that they gave me in XX/XX/2019 back. I told her I need the money back in my account cause they cant just take money out of my account without notifying me and if they did finish investigating my dispute I havent received any type of notice from them. She then told me my dispute that I filed in XX/XX/XXXXis still pending, they have up to 90 days to complete the investigation, and while they investigate they can debit the account for the amount of provisional credit at anytime without notifying me. 
This company just waited until funds were loaded to my card and then debited my account.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

On XX/XX/19, I received a letter from U.S. Bank credit card co. which I already have credit card accounts with. 
This was not included in a statement but in a separate letter. 
It saids if you sign up with your email address, we will give you XXXX  mile at no charge in 4-6 weeks. 
I highly doubt that they will but I decided to sign up to earn a XXXX miles which is pretty much nothing to earn any upgrade. 
However, I have not received any miles yet. 
So I called U.S Bank on XX/XX/19 to inquire about my miles. He transferred me to a supr.And the supr basically said I need to wait more time. He also put me on hold and tried to find any offers similar to that but nothing. 
I wasted my valuable time to sign up my emails but I still have not received any miles and I highly doubt that I will. 
Please have them give me XXXX  miles that I deserved.
Consumer complaint received 2019-07-04
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)

I Have almost 11 inquiries on XXXX  report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.
Consumer complaint received 2019-07-04
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: Santander Consumer USA Holdings Inc. (NY)

THESE ARE THE ACCOUNTS THAT IS ON MY CREDIT REPORT 1.XXXX   XXXX XXXX AMOUNT $ XXXX  DATE OPENEDXX/XX/XXXX 2.SANTANDER CONSUMER USA  AMOUNT $ XXXX DATE OPENED XX/XX/XXXX 3.XXXX XXXX   XXXX AMOUNT : {$2000.00} DATE OPENED XX/XX/XXXX 4.XXXX XXXX XXXX   XXXX XXXX AMOUNT : $ XXXX  DATE OPENED XX/XX/XXXX INQUIRES XXXX/XXXX, XXXX   XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (NV)

I filed a complaint with CFPB on Suntrust XXXX which Suntrust as usual denied claim and CFPB did nothing, since then Suntrust abrupyly closed my account I have no access to my funds and my funds are not returned they can not illegally hold my money they are Suntrust angry I filed a complaint with CFPB and I told them I would file a complaint with the Federal Reserve, Suntrust has XXXX American mangement I am XXXX they descriminated against me as well
Consumer complaint received 2024-04-10
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. (IL)

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. 
Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). 
I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/year> & XX/XX/year> 60 days late. 

Experian : 30 days late XX/XX/year> and XXXX XXXX 60 days late. 
XXXX : XXXX XXXX 30 days late, XXXX  60 days late, 30 days late XX/XX/year> and XXXX XXXX  60 days late.