davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

First called from a local number then left a voicemail that stated they were from some place called XXXX XXXX out of XXXX Ga. They threatened legal action stating I owed money to a place called Cash Central and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/XXXX i tried to link an external bank account and was informed that i needed to send secure documents to prove ownership of my acct i did several times they blocked my account and everyday i was sending support messages through the app i called on several occasions and was informed no manager on duty they blocked my account and i had no access to my funds XXXX helped me and my account was unblocked after 2 wks of my funds being held from me that was on Thursday XX/XX/XXXX i was able to pay some bills and transfer money from simple to simple but then on Friday XX/XX/XXXX my account was blocked again and i haven't had access to my funds since i have spoken to several people from the date of XX/XX/XXXX and i have not gotten anywhere i spoke to manager XXXX on SaturdayXX/XX/XXXX and was informed a check was going to be mailed to me expedited and today is XX/XX/XXXX and they r still holding my funds i have a medical condition and i need to see my XXXX and take medications on a daily basis and they r holding my funds and i haven't been able to pay anything and my rent is due on the XXXX this is all my funds i have available to me and i am not getting anywhere with customer service because supposedly they do no have a manager on duty what type of company is this they should be ashamed and the representative XXXX XXXX was the one that closed my account without my authorization he is rude and unprofessional he should not be working in a customer service dept
Consumer complaint received 2024-03-04
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. (CO)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-25
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I missed some tax payments and let insurance lapse which accumulated to over XXXX dollars for which we and Ocwen Loan Servicing were to work out a repayment agreement in or around XXXX of 2018. I completed a budget worksheet to determine how much monies i could repay them monthly, i did receive a letter stating that the repayment plan was approved and that i need to send back the contract signed and the first installment however as i have been calling Ocwen every month in the first week only to be put over to someones voicemail and to never get a return call, I keep telling them that i never actually recieved an actual contract to sign and return back and no one is calling me back or has attempted to send me another contract so i have been sending them XXXX per month but my checks never get cashed or even returned. so I pay my housing insurance and my taxes and i keep sending those checks hoping this isnt going to happen but i think it is because no one will get back to me or give us a chance to complete a repayment plan. I have even sent them notices stating this via tracked mail. i have tracking numbers that they have been recieved
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. Original Creditor - 12 Capital One N.A. 
2. Collection Agency - XXXX XXXX XXXX Amount {$1900.00} Claiming Amount Owned Date Disputed XXXX Disputed Charges And Asked For VOD Validation Of Debt ***NOT Validation*** Resolution : XXXX Re-investigation in process Per XXXX : I Quote Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )
Consumer complaint received 2019-04-25
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. (MO)

The credit reporting agencies, XXXX in particular has failed on many attempts to fix, correct, and/ or delete my problem whereas incorrect data is still reporting on my file. Data that for one is not mines. Secondly and first at hand, not one credit reporting agency provided me with any certified physical documentation that supports their claims, as opposed to electronic Verification inwhich is part of the initial fraud. I'm demanding that the credit reporting agencies provide me with the Method of Verification used in this investigation. I do not have any contract with the following accounts inwhich I'm disputing and would like blocked from my file. Account # 1 [ XXXX XXXX XXXX {$1000.00} ], Account # 2 [ XXXX {$920.00} ], and Account # 3 [ XXXX XXXXXXXX XXXX ] an account illegally reinserted and reported by Transunion and XXXX both. This account has been disputed and removed in XXXX of XXXX, but reinserted in XXXX of XXXX, without a 5 day notice from the credit reporting agencies Transunion and XXXX as stated within the laws of the FCRA and supported by the FTC. Before I have to file suit against Transunion and XXXX I'm demanding that these two credit reporting agencies block this accounts immediately and permanently.
Consumer complaint received 2023-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-27
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. (AR)

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the provisions of the Fair Credit Reporting Act section XXXX, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo platinum Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX NATO Bill Pay Federal Document Nbr XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX   CET ( Central European Time ). 
Electronic payment Receipt Acknowledgement - XXXX ( XXXX ) Have No valid Ticket number - XXXX  member XXXX
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX  several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (FL)

UWM is trying to dictate to it's broker partners who it can partner with, and will fine any broker that does business with UWM & XXXX XXXX. UWM is trying to eliminate competition with XXXX tactics. Their behavior will raise prices for consumers, and cause material harm to americans on a huge scale.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (AZ)

Complaint regarding false and mis-leading XXXX advertising. Company is Geneva Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. NMLS # XXXX XXXX BK # XXXX. 

Company is NOT able to provide the rates advertised on XXXX and XXXX.
Consumer complaint received 2022-03-12
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. (GA)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-25
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. (SC)

with this company. In additionally, I have sent in a copy of my police report to XXXX XXXX, and Experian. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item : XXXX XXXX XXXX Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX  has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX  have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by XXXX, XXXX, and Experian listed on my report. 
Please remove incorrect personal informant XXXX : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

In XX/XX/XXXX an insurance claim had to be filed due to water damage caused by the dishwasher. When the insurance claim was filed, the mortgage was being serviced by XXXX XXXX XXXX XXXX and was in a current status. 

As of XX/XX/XXXX the loan servicing was transferred to Mr. Cooper. Prior to the service transfer an insurance claim settlement had been approved and a check was issued dated XX/XX/XXXX. The check was made payable to us ( borrowers ), a third party adjuster, and the lender ( XXXX XXXX Mortgage ). 

Due to the loan being transferred to Mr. Cooper on XX/XX/XXXX the insurance company had to re-issue a new check to reflect the new lender. 

The insurance company re-sent a new check, dated XX/XX/XXXX and made payable to us ( the borrowers ) and lender ( Nationstar ). 

On XX/XX/XXXX I contacted Mr. Cooper to obtain instructions on how to send and obtain the lenders endorsement. I was transferred to the insurance/loss draft department and was told that an escalation needed to be opened due to the loan being serviced by a previous servicer when the claim was initially opened. Additionally, I was told that the previous servicing file/loan history could not be reviewed in their system. 

XX/XX/XXXX, follow-up phone call was made to Mr. Cooper. I was told the request was still being reviewed by the legal department because of the loan being previously serviced by another company. I was again told that the prior servicing history could not be viewed. When I asked the agent why, he basically told me that their system had not yet been updated and said that in a perfect world it should be. 

At this point I do not understand why it is so difficult to get instructions on how to send a check to get endorsed and feel as though this company is in violation of the servicing rule regarding mortgage transfers.
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # ending 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.

15 U.S.C. 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-25
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: Experian Information Solutions Inc. (MI)

I had a XXXX XXXX account in collections on my credit starting XX/XX/XXXX. I had several other things as well. I went through bankruptcy and completed the filing and process of that in XX/XX/XXXX. Everything including the XXXX XXXX was supposed to be off my credit report as it was in with my bankruptcy. They never took it off and even with a dispute experien says it will remain. Granted I only have a few more months for it to be 7 years and will be off my credit, it should of been off 5 years ago. After bankruptcy Im supposed to have a clean slate and Ive worked hard for a good score.
Consumer complaint received 2020-12-17
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. (NY)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 41 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 41 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I've had a XXXX XXXX XXXX visa Chase credit card for the past, 1,1/2year i've been paying it in good standing time never been late on it. On, XXXX18 i wanted, to pay some of my balance off on the card, like i, have been paying fine for the past year an half, i come to find out that my account has been cancelled, I never received, a phone call nor a E-mail, nor any type of communication by mail telling me why my account had been cancelled. When i, called Chase credit card, the fraud department. advice me, that the creditors had sent them an alert saying that my account was fraudulent because, of the address that chase reported, to them, just be advised, that i've had this card for over a year an half and, never had a problem like this. I, called all creditors like XXXX, XXXX, and XXXX, well when i, spoke to XXXX they advice me due to the fact, that chase reported, an old address that i had over 10 years ago, they send an alert to them, and thats what made a fraudulent alert. XXXX, has also told me that they where going to mark it as an error. In order to get my card back from Chase credit they needed, to run my credit again, and i think thats not right since i, had my credit card in perfect standing position with Chase, by Chase running my credit again, that would bring my score down, and i don't think that's right for them to do this. Till this date i haven't received, any information about my account. They also have my correct address ever since i, opened this account, another thing they want to do is to cancel my milage i, have earn since i, had this account.