davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX CXXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$3200.00} ; XXXX  ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$830.00} ; XXXX  XXXX ( Original XXXX XXXX  XXXX BANK XXXX XXXX A ) XXXX Balance Owed : {$160.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, I sent {$200.00} through my banks ( Wells Fargo ) mobile application XXXX for some sporting event tickets. The person I was buying the tickets from sent me his name and email and phone number. After transferring the money through XXXX. The person never sent me the tickets and stop answering my calls or emails. I went to Wells Fargo and they informed there was nothing they could do for me since I authorized it. They did tell me it went to someone's account at XXXX  XXXX XXXX. I went to XXXX XXXX  XXXX and they told me there's nothing they could do to help file a complaint because they have to protect there customers and since I'm not a customer of theirs. There's not much I could do but file a police report, which I did, and to call back XXXX XXXX XXXX customer support and file a claim.I did what i was told, I filed a police report i called XXXX XXXX XXXX back and they were still not willing to file any type of claim or help me at all. They told me call XXXX and see if they could help me. XXXX was of no help either. There customer support is automated. You can't even speak to anyone in person.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Synovus Bank (NH)

In XXXX I order 2 gold maple leaf coins that turned out to be fake. I sent them back and never heard from the seller again. I informed the bank and they responded by crediting the money back : APR 25 CREDIT MEMO XXXX PROV {$2700.00} Now I see it has been charged again : XX/XX/XXXX DEBIT MEMO REVERSAL OF Uncategorized Expense - {$2700.00} I've already withdrawn the money. The bank seems determined to make me pay. Of course I am never going to repay the bank. I ask that that my account show a {$0.00} balance.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Transunion is reporting unauthorized, fraudulent inquiries on my credit reportI did not apply nor benefit from the unauthorized use of my social security numberI have filed a police report about the fraudThese illegitimate inquiries do not belong to me and must be removed
Consumer complaint received 2021-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Debt Recovery Solutions, LLC (VA)

XXXX illegally approved me for a payday loan. Virginia law prohibits more than one payday loan at a time. Virginia law also states that illegal loans do not need to be repaid.

Debt Recovery Solutions has placed this account as a collection on my credit report. This company never contacted me prior to doing this to give me the required 30 day debt collection notice. 

Despite XXXX having been told on several occasions that this debt can not be recovered, they continue to submit this to collection companies.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Two debt validation letters were sent to the company Credit Collection Services. located at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX. The letters were sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

My credit card was stolen and used to make the below purchases ( date / amount / store ). As soon as I realized the card was stolen, I contacted Chase to cancel my credit card and get refunded for the fraudulent transactions. After " reviewing '' the situation, Chase claimed that the transactions were not in fact fraudulent without any rationale. 

XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. 
They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it
Consumer complaint received 2019-01-31
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. (PA)

on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DE)

Dear CFPB, I started struggling to pay my mortgage in XX/XX/XXXX. PHH Mortgage offered me an initial payment deferment/loan modification for 11 months in exchange of one monthly payment of {$1000.00}. Please see attachments. The paperwork and process took so long due to language barriers ( I only speak XXXX ) and lack of servicing options that another month went by and another payment became due. PHH Mortgage knew I was now 12 months behind and could only make one payment. That one payment made on XX/XX/XXXX to process the modification was supposed to be applied to the upcoming month of " XX/XX/XXXX '' but PHH posted the payment as a XX/XX/XXXX payment. Therefore, my loan was never brought current as a result of the first modification. Additionally, my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX, and my payment in XX/XX/XXXX was considered a payment for XX/XX/XXXX. Mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX have not been paid due to another financial hardship due my wife 's health. I am XXXX and my wife was helping with household expenses pre-COVID, like groceries and utilities, but since XXXX  she has not been able to and the little help from family stopped. We know that starting in XX/XX/XXXX we will be able to get back on our feet and we can start paying our home on time. I just need help getting the loan caught up and any late fees removed. 
I have sent A Request for Mortgage Assistance Application to PHH and am also seeking your help. Their documents are confusing and I am afraid of losing my home. This situation is very stressful, I have to rely on others to help me due to language barrier. I will appreciate whatever help you can extend to move this along to bring my loan current. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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: Open Dealer Exchange, LLC (CA)

Per the report furnished by XXXX, there are 4 inquiries that are fraudulent and unauthorized ( 700 CreditXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. XXXX is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I was 5 months ( XX/XX/XXXXXXXX behind on my mortgage and called PHH Mortgage company to resolve In XX/XX/XXXXi was told by their Rep to pay {$5000.00} by the XX/XX/XXXXor it could go into foreclosure. I called back on the XX/XX/XXXX and made the payment live directly thru their agent name XX/XX/XXXX.for {$5000.00} the next week in XX/XX/XXXXbetween the XX/XX/XXXXand XX/XX/XXXXi called back to verify the foreclosure will not go thru. I was told by their Claim manager XXXX not to worry cause no Foreclosure had started and they will stop any kind if it should happen cause my Payment took my account out of default. On XX/XX/XXXX i received a letter from POWER DEFAULT SERVICES INC, stating my account has been turned over to them from PHH Mortgage for foreclosure I IMMEDIATELY called PHH and asked them why my acct was in Foreclosure when i made the pymnt on XX/XX/XXXX and told my acct was not in Default. Rep. XXXX ID # XXXX told me they have to Investigate and apologize for the MisCommunication done on their part and that they have to pull tape to find out what happened. She told me that my acct was sent to Foreclosure on XX/XX/XXXX yet i was told i had til the end of XX/XX/XXXXand if that what she said is true the Manager should have seen in on the XX/XX/XXXX when he took my pymn and when i called back early XX/XX/XXXX. I looked on the paper the Foreclosure sent me and it state XX/XX/XXXX NOT XX/XX/XXXX so PHH is not being honest and took my {$5000.00} and now tells me they can not not do anything until the Investigation is done. This is very Unfair, Unprofessional and Sneaky on their part when i have done everything they told me i needed to do. Please help me resolve this issue please.
Consumer complaint received 2022-05-20
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: DISCOVER BANK (CA)

Per the report furnished by XXXX, there are 4 inquiries that are fraudulent and unauthorized ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial SerXXXX XXXXXXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. XXXX is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.
Consumer complaint received 2021-11-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RMS-Recovery Management Services, Inc. (AZ)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on RMS-RECOVERY MANAGEMEN ( Original creditor : XXXX XXXX UNIVERSITY ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identtiy theft and there is fraudulent accounts reporting on my credit. 

1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (VA)

XXXX student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a 36-month grace period after the semester ends.

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX  records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.