davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (NC)

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2022-03-07
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. (AZ)

EQUIFAX BROKE THE LAW. I sent a FTC Identity Theft Report and all requirements for the removal of 4 fraudulent accounts and hard inquiries reporting on my credit report. Pursuant to 15 USC 1681c-2, EQUIFAX had 4 business days to delete the information from my report, and EQUIFAX failed to delete all of them. Only one was deleted. It is WAY past the 4 business days from receipt of receiving the documents. I further received a letter in the mail stating they are not honoring my request for the deletion. It was not a request it was a demand that I am entitled to as a federally protected consumer. I did everything I needed to do in accordance to federal law.
Consumer complaint received 2021-10-29
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. (GA)

he fact that I have been dealing with since XXXX for XXXX without proof of a wet signature is ridiculous. According to the consumer protection laws, creditors must show proof of wet signature in order to validate there claim to produce information onto a credit report. This account is fragluent and I have asked sever times over several moths for a wet signature and still have not received one. At this point these account need to be removed from my account. A previous CFPB was filed directly with the company and with the given information they still ask for the same documents on a different form instead of providing the wet signature. At this time I request removal of account # 15 Attached are documents to support my claim
Consumer complaint received 2018-05-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CT)

Step 1 : What is this complaint about? Ocwen is repeated directly contacting me and im represented by legal counsel, who they know Im represented by legal counsel, and harassing me, who is not actual borrower.

Step 2 : What type of problem are you having? Harrassment and inaction on request for deed-in-lieu of foreclosure.

Step 3 : What happened? Borrower died, Executor hired law firm to resolve foreclosure and deed property in lieu of foreclosure. For over a year Ocwen has not processed request to deed property in lieu of foreclosure, started foreclosure action and continues to harass executor trying to make her take on mortgage liability personally by repeatedly contacting her directly and asking her to sign paperwork. Borrower is deceased.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, my mobile number was deleted from my Chase account. My account was closed and no one told me why. Then, I received a paper bank statement saying that the rest of the money in my checking account will be sent as a check to my mail address. The check charge is {$2600.00}. I called Chase and they said the check will be sent out in two weeks. I waited but I never received the check. Then Chase told me there was an investigation going on in my account without any further details. It has been almost 6 months and my money just seems indefinitely froze by Chase Bank. I called them multiple times they just said the funds are not approved to be released.
Consumer complaint received 2019-11-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Technical Institute (CA)

On XX/XX/2019, I filed a compliant against XXXX XXXX through CFPB because I had not received any written communication to verify the debt they claimed I owed for 5 months but was paying {$100.00} each month to them. The XXXX complaint came because even though I called 3-4 times each month from XX/XX/XXXX-XX/XX/XXXX, every phone conversation with a representative of XXXX XXXX was ineffective in obtaining clear information pertaining to my debt. The XXXX complaint was requesting that paperwork be sent outlining the account summary for my debt and providing proof that the {$100.00} payment each month was helping to reduce my debt. After the complaint a packet was sent to me but the paperwork was hard to read and did not clearly show how paying {$100.00} for 6 months helped lowered the amount I owed. 

I called XXXX XXXX on XX/XX/2019 after receiving the packet to get clarification on what the document was communicating. In my interaction with the representative she aggressive and dismissively informed me that my file was no longer in their facility. I asked why that was and she replied that she did not know because the file was not here. I asked how do I move forward with paying my debt off and she informed me that I should contact the original debt provider, Universal Technical Institute. She informed me that her manager would contact me to provide more information because she could not. The manger never called and still has not called, today is XX/XX/2019. 

I called Universal Technical Institute on XX/XX/2019 to get information about where my loan was and why it was being moved and if it can be moved back to Universal Technical Institute. A representative there said that once the debt is given to a collection agency it can not be given back and that XXXX XXXX by law has to provide information about where my loan is being transferred to and why it is being transferred. She encouraged me to call them back. I did and they have not picked up or called me back. 

The lack of communication along with the fact they incorrectly state my name on all documentation I have receive, is the reason I am complaining. This current complaint is about not receiving any information verbally or wirtten about why my debt is being transferred somewhere and why XXXX XXXX is incapable of providing quality service to people who are willing to pay down debt.
Consumer complaint received 2021-06-07
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/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-05-23
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. (MA)

US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, XXXX  and TransUnion.
Consumer complaint received 2018-12-19
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX I noticed on my XXXX credit report that I had a notification about a hard credit inquiry had been pulled on my credit by CITI Bank. I immediately called and tried to get a hold of CITI to find out why. I do not have or have had an account with CITI, and I have not applied for credit in any form recently. CITI had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with CITI credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID  or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : CBNA, Inquiry Date : XX/XX/2018 Business Type : Airlines Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NC)

I told them that ii do not owe them this debt over the phone and I e-mail them online and I am repudiating this debt, but they still send me letters and call me on the phone. GC services limited partnership, XXXX XXXX XXXX XXXX tx XXXX, XXXX.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (KY)

In XX/XX/XXXX, Caine Weiner added a collection account for XXXX XXXX for {$610.00} on all 3 of my credit bureaus. I had XXXX XXXX last year and then switched companies. I contacted XXXX to inform them of the cancellation date in XXXX of XXXX. They assured me everything was cancelled and there would be no balance owed due to the insurance being paid in advance for the month. I noticed the collection in XXXX of XXXX. At which point I contacted XXXX and they informed me the agent never properly cancelled my policy. They admitted to fault and said they would send all necessary documentation to the collection agency for the account to be deleted from my bureaus. In XXXX, they were still present on my credit. I called XXXX again and they directed me to Caine Weiner. Caine Weiner directed me back to XXXX. I called XXXX again and a supervisor told me that if Caine Weiner wouldn't deleted it would have to be disputed. I tried to call Caine Weiner one more time, they told me there was no other way to delete besides paying the balance in full or settling the amount. Settling the amount would not delete the account, it would only show the derogatory account with a XXXX  balance. This was not a balance that I owed, therefore I don't believe it is fair to pay a debt I don't owe or have derogatory Mark 's on my credit for an agent 's mistake.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Around XX/XX/XXXX I spoke with XXXX XXXX at PennyMac to refinance my loan. We discussed what I wanted in the loan. I was very clear of my credit and past history. I told XXXX I did not want to have the taxes and insurance escrowed into my loan. XXXX filled out the application and asked for me to sign it but would change it later not to include the escrow account. I also said I wanted to pay off the PMI for the entire loan upfront and did not want to pay any closing cost. 

XXXX said in writing this would be fixed but it never happen. He came back to me almost three weeks later telling me nothing he said closed be but I could still move forward with the loan. At this time I asked for supervisor who refunded the money I paid for an appraisal. He told me I could have a new loan person which I said I would. This never happen. In fact everyone stopped speaking to me. I call XXXX [ the supervisor ] several time and finally sent a email. To this date he has not responsed. I called the number and asked for his supvisor or the loan processor to call me. I called her and emailed her for over 48 hours and I got no response. Eventually on one of my many calls someone told me the loan was declined because of a foreclosure that will be on my credit until XXXX [ this is not true I do not have a foreclosure on my credit at all ] and a misstatement of my income. I asked it they would like me tax returns & to speak with XXXX XXXX [ she never returned ANY of my calls or emails ] [ she was the loan processer ]. During this time the interest rates have gone up and I missed out on a better rate. This has also negatively impacted my credit score. I have additional emails if needed.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Fraudulent charges were made on my account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX I immediately notified the bank, Bank of America of this fraudulent activity and closed that card out. I only used my credit card for all remaining purchases until my card was reissued. 

I sent them back the signed affidavit that I was not present for these transactions, had not given my pin number to anyone, and was physically in XXXX during the time of the transactions. 

I have proof from my XXXX account that I drove to work that morning and proof from fellow co-workers that I was present until the end of the day on XX/XX/XXXX. 

Bank of America has maintained that I have 0 % liability, but they have repeatedly overturned that it was fraudulent based on their narrow criteria that it was within my spending area, that it was not attempted to be used after I reported the card stolen, and that the amounts are not large enough to be trying to clean out my account. Well that may be but it is completely untrue that I am going to be held 0 % liable since they seem bent on proving that I am not their valuable customer but in stead some kind of mastermind criminal, all for XXXX . 

I have already opened a new account at XXXX and will be moving all of my accounts over to them ASAP. Bank of America don't care about their customers and they are the crooks here.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (TX)

Tried to modify home loan with Caliber Home Loans again, and again they keep losing the paperwork and or say they will send paperwork to fill out, but it never comes. 
We are now a few months behind, but have the funds to catch up on the loan, but Caliber Home Loans refuses to provide us with a statement of current balance. In fact, Caliber Home Loans has not mailed us a statement in over 6 months! How can we pay when our payment amount to catch up is unknown?
Consumer complaint received 2019-11-11
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. (NJ)

Experian Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. Thank you
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

IN THE BEGINNING OF COVID-19 I WA STRUGGLING TO MAKE MY MORTGAGE PAYMENTS DUE TO THE FACT THAT FIRST OF ALL I HAD LOST A FEW FAMILY MEMBERS DUE TO THE AWFUL COVID, I MYSELF WEBT THRU COVID, AND TO COMPLETE IT ALL, I LOST INCOME COMING IN TO ME. 
I REACHED OUT TO WELLSFARGO REGARDING THE FACT INWAS STRUGGLING TO MAKE MY MONTHLY MORTGAGE PAYMENTS IF THEY COULD AT LEAST EXTENT MY MORTGAGE TO EXTRA YEARS IN WHICH IT COULD HELP LOWER MY MONTHLY PAYMENTS INTO A MORE AFFORDABLE AMOUNTS. WELLSFAGO DECIDED TO PROVIDE ME A FORBEARANCE WHICH JUST ADDED MORE TO MY ALREADY HIGH MORTGAGE BALANCE. THEY COULD HAVE EXTENDED MY MORTGAGE AND I WOULD NOT BE PAYING STRUGGLING MONTHLY PAYMENTS.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. 

I demand that the following account be removed immediately : XXXX XXXX XXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) 281 SW715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX Transunion and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I was inaccurately reported to Experian Credit Bureau for a debt that is o {$510.00} from XXXX XXXX XXXX for an account with XXXX XXXX XXXX original creditor. The account being reported has a different last name than mine, yet when I disputed the account with Experian they return results as verified and accurate. I have disputed the account three times with every result stating verified which is inaccurate Experian has not provided me any information on how the accuracy of the account was verified despite my request.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax are continuing to report incorrect information. There are several late payments being reported on my consumer file that have not been properly verified as accurate. XXXX has late payments listed in XXXX XXXX XXXX of XXXX XXXX is not reporting any late payments and Equifax has late payments listed as XXXX and XX/XX/XXXX this account can not be correct. It cant report XXXX different ways. Remove these late payments immediately to reflect paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.