davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
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: Credit Wise Recovery Solution LLC (LA)

My journey into the world of scams, fraud, and identity theft has been going on since XXXX of 2019 and maybe even before. 
My credit card was maxed out and got that fixed, but now my credit report has information I have not authorized or had no knowledge of. 
Starting XXXX XXXX of 2019 inquiry for credit cards from XXXX different companies was put on my credit report. 
XX/XX/2019 I have an incorrect address and an unknown address appearing on my report. 
XX/XX/2019 a name that is not my own is being used under my social security number. 
I did not know any of this was going on due to the fact my bank had blocked me from accessing my accounts that are connected to my credit wise that I use to check and keep track of my credit. 
I have not applied for any new bank account until XX/XX/2019 and that is with a bank close to my own home. And certainly have not applied for a new credit card.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/XXXX I received notification from my credit monitoring that a new account was added to my profile from Mitchell D. Bluhm & Associates , LLC ( XXXX ) XXXX for unpaid medical bill for {$61.00}. I contact the number listed above to get clarification which I found out is due an auto accident I had the previous year. I informed the rep, this should have not been reported to the collection agency for two reason 1 ) I never received any documentation from them because they had an incorrect address and 2 ) I have a  personal injury attorney that is handling this matter and has instructed all parties including the hospital and medical providers treating me of the pending case. I provided the rep my attorney information and ask this be removed. He stated it will but a few days later while applying for a mortgage this negative items is still on my credit report.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

XXXX paypal obtained my social security number without permission and will not remove it from their records when asked. They can, but, they won't. Why, I don't know. They're not a bank or financial institution. They are a payment service. They don't need my social security number by law. But, they are lying and say they do.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital 1 bank had an offer " Deposit {$50000.00} or more to a new Capital 1 365 money market account and maintain at least {$50000.00} daily balance for 90 days to get {$500.00} bonus '' last summer. I opened an account online on XX/XX/19 and transferred {$50000.00} from my external bank to Capital 1 bank on XX/XX/19. I kept my daily balance above {$50000.00} until XX/XX/19. On XX/XX/19, I transferred some money out. I thought I already passed 90 day requirement. In XX/XX/XXXX., I contacted Capital 1 to check the bonus status. Surprisingly I was told that I was 1 day short of requirement. Based on their explanation, I have to deposit within 10 days of account opening. Then I have to maintain a daily balance of {$50000.00} or more for 90 days following the initial funding period, which is 10 days. So even I have kept my daily balance above {$50000.00} longer than 90 days, I am not qualified for {$500.00} bonus. I went back to read the fine print carefully for this promotion. It states that " Deposit {$50000.00} or more of new money from an external bank within the first 10 days of account opening. You will earn the {$500.00} bonus once youve maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period ''. It did not clearly and specifically pointed out that the initial funding period is TEN days, regardless when you funded account after opening it. I thought funding period referred to the time between opening account and funding account, as long as it is no more than 10 days. If I funded my new account on the 10th day of account opening and kept the daily minimum balance requirement for 90 days, I would have qualified for the bonus. In my case, I funded my new account on the 3rd day of account opening and kept the daily minimum balance requirement for 97 days, I am not qualified for bonus. The fine print words are very ambiguous and confusing. If it made it clear at the first place, I would have kept {$50000.00} for longer time. I hope Capital 1 Bank can reconsider my case and issue the bonus that I deserve. Thank you very much for your help!
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX balance XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  -Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information. other than records of convIctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-08
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. (SD)

XXXX and Transunion were reporting an account from credit first as date of last payment XX/XX/XXXX, I asked them to delete account because Date of first delinquency was greater than 7 years ago, XXXX changed XXXX to XXXX which is illegal Transunion is still reporting account
Consumer complaint received 2019-10-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I HAVE AN ADJUSTABLE LOAN SINCE THE DEATH OF MY HUSBAND. ORIGINALLY IT WAS A LINE OF CREDIT WITH MY HUSBANDS EMPLOYER XXXX XXXX XXXX. WHEN HE DIED THEY CONVERTED IT TO A LOAN WITH THEIR LENDER WHO LATER BECAME PHH MORTGAGE SERVICES ... THEY WERE RECENTLY SUED FOR XXXX XXXX FOR ILLEGAL PRACTICES. I FOUND OUT RECENTLY THEY WERE BOUGHT OUT BY XXXX XXXX XXXX, WHO HAVE BEEN SENDING ME PREDATORY COMMUNICATIONS. WHEN I CONTACTED THEM THEY SAID THEY DID NOT SEND ME THAT OFFER IT CAME FROM THEIR AFFILIATES - ON PHH LETTERHEAD -  MY LOAN ADJUSTS ON XX/XX/XXXX ANNUALLY. I CALLED THEM AND SPOKE TO A RESOLUTION TEAM MANAGER - HE TOLD ME THEY WOULD NOT HAVE THE NEW RATE UNTIL XX/XX/XXXX THE LAST ADJUSTMENT OF THE YEAR BY THE FEDS. BUT YESTERDAY THEY SENT ME AN ADJUSTMENT THAT WAS NOT AS DISCUSSED AND DID NOT WAIT FOR THE DEADLINE NOR MATCH WHAT I WAS TOLD [ 3.125 RATE 2 POINT ADJUSTMENT WHICH THEY HAVE DONE IN THE PAST WHEN IT WENT UP. I TRIED TO CALL THE NUMBER ON THE PAPERWORK BUT IT SAID AT XXXX XXXX ON A tUESDAY THAT THEY HAD NO AGENTS AND I COULD NOT LEAVE A MESSAGE EITHER? I HAD A NUMBER FROM LAST MONTH AND TRIED IT BUT IT SAID IT WAS DISCONNECTED. LEAVING ONLY THE WEBSITE. I REPORTED THEM TO AZAG, GOV AND NOW TO YOU THEY ARE ACTING IN BAD FAITH AND LYING PLUS BEING UNREACHABLE TO CUSTOMERS ALREADY STUCK WITH THEM. PLEASE HELP AN ELDERLY WIDOW WHO IS XXXX GET INTO A REASONABLE LOAN!
Consumer complaint received 2023-06-13
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-03-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (IL)

I emailed XXXX XXXX multiple times requesting verification of the amount owed to XXXX. They are requesting {$510.00}, but I have an email from XXXX stating I only had one payment left of {$97.00} that was sent on XX/XX/2019. I offered a settlement prior to finding the email about only having one payment left, and then I rescinded the offer once I found the email. XXXX can not or will not tell me how they calculated the {$510.00}. He did respond recently stating his client states the email only states how many payments were left not the balance which makes no sense. The email says 1 payment left of {$97.00}.
Consumer complaint received 2019-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

OCWEN must be the worse mortgage servicer in the industry. We have tried to work with them for over a year to cure our delinquent mortgage payments, but we are just getting the runaround from them. They lose our documents, are hard to understand and denied our request for assistance because they can not get their process straight. We suffered through some serious financial trouble when natural disasters crippled  my husbands income and we had no choice, but to fall behind on our mortgage payments. We quickly recovered financially, but OCWEN has never attempted to work with us to get our loan current. They have never assigned a single point of contact and we continually are speaking with their representatives in XXXX. We can not understand them and their process has major problems. For over six months I sent them every document they want, but they say they never received the document and my file kept getting kicked out of review. When I finally got someone to look at my file, they advised that I already had on modification and there was nothing they could do. We have an FHA loan and I did get a modification in 2012, but I believe that HUD allows for a new modification every two years on home mortgages. We are certain that our FHA loan qualifies for mortgage assistance and want someone from your agency to get them to work with us to save our home.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

I have two WF bank accounts. A checking account and a savings account. I reduced both accounts to XXXX  due to the monthly fees. WFC decided to charge my accounts again so that my balances are now negative and will not let me close the accounts until I clear the negative balances. I believe this is unfair as the accounts are dormant.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act.

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are XXXX different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, Equifax, LLC isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NY)

I called Waypoint today and we found out that the on the account is not mine but the social security number. It appears that someone as used my number and the address is also different. The number for Waypoint is XXXX XXXX XXXX. They never contacted me because they had no way to do so, but to add it to the social security number.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX All of these companies 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-05
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. (FL)

I reviewed a copy of my credit report and I noticed unauthorized inquiries had been made by the following companies : XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX   Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX. 

I contacted the TransUnion and asked them to remove their credit inquiry from my credit profile on several occasions however all of the inquires have not been removed. I filed a complaint through Consumer Financial Protection Bureau in XX/XX/XXXX and TransUnion replied with a general response not specific to my issue and the inquiries mention herein have not been removed from my credit report. 
Im request that you remove these inquiries on my credit report and send me an updated copy of my credit report. I'd like the credit bureaus to please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation if the above credit inquiries are not removed. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IA)

I wasnt receiving the compensation that I deserved nor did the company care to listen. Also, there was defamation along with discrimination going on at the company every step of the way. They also took it outside the company because I was having issues trying to get employment. I believe that I should have at {$50000.00} in my checking account right now.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MD)

Hello and thank you for taking the time to read and address my concern : I was included in a Financial Institution and Credit Bureau Breaches, and have asked LVNV Funding LLC to provide the following : To provide an Original Contract Signed by me, to show proof that I authorized them to utilize any of my personal information. 

I have written to the company address provided on my credit report SEVERAL Times. 

They have a PO Box Address?? so I wrote to LVNV Funding, C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX I need to know if this is even a licensed company?? and if they have the authorization to utilize my personal information. 

I am very concerned, as I do not know this company and have not authorized anyone to utilize my personal information.I wish no further contact and have requested expeditious removal of this debt. 

As a Consumer under the Fair Debt Collection Act, I have a right to the know how and why they are using my personal information, and again I did not AUTHORIZE! I have been involved in breeches and this is of utmost concern. If they can not provide an original contract signed by me, I want these accounts removed, as they appear negatively on my credit report as Open Accounts!

Two Collections are on my report as Open one for {$1300.00} and another Open one for {$1000.00} dated XX/XX/XXXX.
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (RI)

On XX/XX/XXXX Wells Fargo accessed my bank account and debited a second auto loan payment. The payment I authorized and submitted Had been completed on XX/XX/XXXX. This was a second and completely unauthorized transaction that Wells Fargo claims is a glitch in their stand they have no timeline on when it will be remedied. This affected thousands.
Consumer complaint received 2023-06-13
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. (MA)

XXXX is attempting to foreclose on my home and a man has repeatedly trespassed and damaged my property, including my XXXX  camera. The man in the photo has stated that he is with the bank and that he is there to see if my house is occupied. 
A broker from XXXX XXXX contacted me yesterday to offer to sell my house in advance of the foreclosure and he stated that I was on the mortgage and that my credit score is being impacted. However, I am not on the note and the bank and XXXX  attorney refuse to communicate with me. 

In addition to this, the house has been tied up in divorce court in XXXX XXXX  XXXX since XXXX, index XXXX, and no one is addressing this issue. I am on the deed and title of XXXX XXXX XXXX in XXXX, MA, and have paid the deposit for the home and again paid XXXXXXXX XXXX to stop their attempted auction of my house during divorce proceedings in XXXX. 

The mortgage holder, XXXX XXXX XXXX, stopped paying the mortgage after divorce commencement in XXXX, violating automatic orders and a court order to pay the mortgage. XXXX XXXX committed perjury in court by stating that he was willing to sell me the house and then never responded to my offers. 
I have paid several real estate and divorce attorneys including XXXX XXXX and XXXX XXXX and this has led to no results and further financial abuse. 
My credit score is being impacted by the lack of attention to this matter by the courts and I am asking for assistance from authorities. I am in finance and this impacts my ability to earn a living and to support a family.