davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I inquired about mortgage forgiveness dieting COVID19 ... was told I could skip XXXX XXXX XXXX payment but in XX/XX/2020, all arrears plus current payment would be due. I said thats no help Ill make my payments agent suggested I still enroll in plan in case NOT ONCE DID AGENT MENTION MY CREDIT SCORE WOULD BE AFFECTED I enrolled but opted to continue to make payments XX/XX/2020 my credit score dropped 30 points down to XXXX Reason : PHH MORTGAGE reported me in forbearance I called and spoke with agent XXXX rescinded any enrollment in their payment optional plan requested they remove note from XXXX the forbearance note is still there
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I began sending letters in XX/XX/2020 asking for Equifax to delete incorrect addresses from my credit file. They have failed to respond. There are over 10 addresses on my file. This is inaccurate and damaging my credit profile.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (VA)

We purchased a home in XXXX, FL in XXXX of 2020. We were to close on the house in XXXX 2020. The house is a new construction and the builder is Lennar Homes. We were informed in early XXXX that our closing will be on XX/XX/XXXX. We immediately informed Lennar that due to the current COVID-19 pandemic, we recommended moving the closing to XXXX XXXX, 2020. We were informed " No '' and told to progress thru the process.We proceeded and went thru the process to get to closing. Once we were supposed to close virtually with the Title Company - they did not and are not willing to share the closing documents with us. We have an approved Loan thru Eagle Mortgage - a Lennar affiliate. We are closing with Cal Atlantic Title - another Lennar affiliate. We have requested documents via email and by calling them - but they insist we sign a document which forces us to electronically sign the papers -which we are not being allowed to see prior to closing?
Consumer complaint received 2017-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WI)

I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
Consumer complaint received 2020-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX Case # XXXX - Bank of America Home Equity Line of Credit account Correction of past due balance {$520.00} transferred to new servicer, XXXX XXXX XXXX as of XX/XX/XXXX we are requesting Bank of America to correct ( BOA ) the error made on our account which was then passed on to the new carrier, XXXX XXXX XXXX  ( XXXX  ). The root of the issue resides with the error BOA made on our account and XXXX  refuses to correct that error and has used it as a basis for continuing to declare that our account is in default, which is false. 

PLEASE CORRECT THE ERROR BANK OF AMERICA MADE ON OUR ACCOUNT AND COMMUNICATE THE CORRECTIONS TO THE NEW SERVICER THAT YOU MADE AN ERROR. The mis-information/error of the past due balance of XXXX was transferred as of XX/XX/XXXX to new servicer, XXXX XXXX XXXX  As a result, XXXX XXXX XXXX  has used this incorrect past due transfer balance of {$520.00}, thereby affecting our current balance and credit. XXXX response letters stated that BOA reported us as delinquent as of XX/XX/XXXX and continues to demand payment. 

Please assist us to resolve this BOA collection balance error that has been an issue since XX/XX/XXXX with XXXX XXXX XXXX. Attached are our supporting documents & response sent to Florida Office of Attorney General.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (FL)

I HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: New Era Asset Management, LLC (TX)

Collection company called my cell phone 2 times without verifying that this was my number and they left a detailed message on the name of the creditor that I owed money to. They also called my place of employment and left the same detailed message on a voice mail without verifying that was me. They also called my brother and gave him information.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Bull city collections has posted a collection on my credit report without contacting me first. I have no knowledge of the dept and my balance with the supposedly owed XXXX XXXX  is XXXX. I disputed the collection to no avail.
Consumer complaint received 2020-10-29
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. (AZ)

*Experian XXXX XXXX XXXX amount {$10000.00} has a 90 day late payment on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  : {$10000.00} has a 120 day late payment. These 2 ACCOUNTS ARE REPORTING MISMATCH INFORMATION. Remove immediately *Experian XXXX XXXX XXXX  Amount : {$3600.00}, Date opened : XX/XX/XXXX This account is reporting a 90 DAY LATE PAYMENT. 
*XXXX  XXXX XXXX amount {$3600.00} is reporting a 120 day late payment. These 2 accounts ARE REPORTING MISMATCH FALSE INFORMATION. Remove immediately. 

*Experian XXXX  XXXX XXXX  Amount : {$1800.00} Acct # xxxxxxxxxxx XXXX Date opened : XX/XX/XXXX is reporting a 90 Day Late Payment *XXXX XXXX XXXX XXXX Amount {$1800.00} account is reporting a 120 Day Late Payment. These 2 ACCOUNTS ARE REPORTING MISMATCH FALSE INFORMATION ON MY CREDIT FILE. REmove immediately. 

*Experian XXXX XXXX Acct # XXXX Date of inquiry : XX/XX/XXXX This account does not belong to me, remove immediately
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (MI)

I have inquiries that I did not authorize on my Equifax report. I have disputed multiple times and still no resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX charge off This information is incorrect Ive called multiple times and the amount is incorrect . I am asking this incorrect information be removed
Consumer complaint received 2020-10-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One authorized release of federally protected unemployment funds to a debtor submitting misrepresentation of documents as IRS Tax Liens to levy federally protected unemployment funds from my Capital One Checking account.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX  XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XX/XX/XXXX showing the loan balance as XXXX but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with XXXX  but they did nothing but remark my account.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (DC)

Over the past few months I have received multiple communications from Navy Federal Credit Union ( NFCU ) about a credit card debt they claim is owed. This complaint is due to the blast ant and continued violation of the FDCPA 1692 ( a ) ( 3 ) ( 4 ). Also NFCU continues to send these letters by mail and email that does not include the information that a consumer has the right to dispute. The last email was received on XX/XX/2020. In addition the envelopes that are sent has the insignia of NFCU. As a natural person I am requesting that there be penalties for these violations per the FDCPA 1692K. Also the company has violated the District of Columbia Response Supplemental Emergency Amendment Act ( emergency act 23-286 ) for initiating these communications during the public health emergency. A compliant has been filed with the Office of the Attorney General of DC.
Consumer complaint received 2020-08-30
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. (TX)

I have written letters to the credit bureaus requesting verification of an account being reported by XXXX XXXX XXXX. Each time, the account is coming back as " verified ''. I have requested information on how the information was verified and have received no response. The credit bureaus in question are not following the law. They are solely relying on E-oscar to " verify '' accounts. They are also not adhering to metro 2 compliance protocol. Instead of doing their own independent investigation, they are going solely off of the incorrect information that is being supplied by XXXX XXXX XXXX. I have tried for MONTHS to get documentation from XXXX XXXX XXXX to justify their reporting and they have not been able to provide me with documentation. If they can not supply ME with documentation, then how are they able to report this information to the credit bureaus? That is a huge problem.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

a couple of weeks ago I received notification of my personal information being available on unsecured internet sites I was recommended to freeze my Experian account which I did subsequently I have applied for credit and an apartment lease I have before applying have unfrozen account and reportedly successfully but when credit providers have attempted to pull credit reports they have been told that they are not avaibable due to federal restrictions today I went to the Experian site and again the site indicates that my info is unlocked/available and yet again multiple credit providers have not been able to access the information. 

I have extremely frustrated by my inability of contacting Experian to resolve an issue that should require little effort furthermore has extreme effects on my life! 

please help
Consumer complaint received 2017-12-10
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: EQUIFAX, INC. (NC)

My credit report and credit score has suffered adversely because of the Equifax Data Breach in XXXX XXXX XXXX and then again in XXXX XXXX. I have over ONE HUNDRED UNAUTHORIZED INQUIRIES and Collections ( XXXX XXXX XXXXt was a public record that was deleted ( default judgement ) now back on as collection account again without Five day notice to reinsert ) on my credit report in which I have disputed Several times at the same time this breach was happening XXXX XXXX XXXX XXXX XXXX ) in which the results were " inquiries are factual record ''. Of course they 're factual if someone HACKS Equifax DATA System with all of their CONSUMERS INFORMATION!!!. I have also spoken to 3 Customer service reps XXXX on XXXX/XXXX/XXXX ( XXXX 1 hr ) who said she would start a dispute but did n't, called again on XXXX/XXXX/XXXX XXXX pm XXXX US ( Nevada ) # XXXX who supposedly started one but ca n't find information in system. Last and FINAL time talked to XXXX XXXX/XXXX/XXXX ( XXXX XXXX XXXX who said she would start one # XXXX not sure if that 's the right number, but ca n't be found in system.I am so frustrated and disappointed by EQUIFAX RESPONSE, It seems they DO N'T care about ruining CONSUMERS CREDIT. 
I WANT THESE UNAUTHORIZED INQUIRIES AND COLLECTIONS REMOVED IMMEDIATELY AND NOT 30 DAYS as I have already started this process 3 Times!!! 
If a Identity Report is required how do I go about filing one against EQUIFAX!!!
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Re : incorrect information dispute for XXXX Account XXXX Trans Union has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Consumer complaint received 2017-12-10
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. (MD)

On XXXX/XXXX/XXXX I submitted a dispute to Equifax in regards to two different charges/ from the same vendor during the same year period. I accept responsibility for one of the outstanding balances but not both due to the fact that this vendor will not allow you to have more then one account. This negative information has been removed from the other two major credit bureau 's but Equifax has refused to remove it
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Good Evening My name is XXXX XXXX and am a XXXX XXXX XXXX XXXX and I have implementing my XXXX XXXX expertise to build publish and produce cryptography and enthuse XXXX and XXXX XXXX networks. I have been granted mining rewards for mining ether and bitcoin as well as other Tokens and coins within the cryptocurrency environment locally which is Implemented in cryptography cryptocurrencies at this time within the XXXX XXXX XXXX XXXX. I also have a dividend as well from my realtime stock strategies through my portfolios that have cash and daily real time stock exchange funds that need to be deposited on my credit card or be issued for a new or previous financial institution. I also have Holdings that are applied to XXXX/ and all financial indexes. Please fill free to contact me if you have any questions here is copy of my portfolio that I would like to gain a depository or financial institution for emergency management and Global Health.
Consumer complaint received 2021-02-10
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. (MD)

I contacted Transunion on 3 occasion about fraudulent information being housed on my credit reports ; I mailed them a copy of a police report and they still have refused to remove fraud inquiries on my report. They are violating my consumer rights by still reporting this information as true.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

An account was originally deleted on my credit report from XXXX  XXXX which is being handled by portfolio recovery services a third party collection. This account has been reinserted into my credit report and I was not notified within 5 business days of the reinsertion which is required per the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). I am hereby requesting that this item is deleted from my credit report as the credit bureau and creditor are in direction violation of the law to refrain from taking legal action due to their blatant disregard for the law..
Consumer complaint received 2020-05-18
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)

You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC Regional Office for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When XXXX  confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when XXXX  didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 Citibank put a block on my account and insisted on replacing my debit card. They assured me that the block would be removed once I activated the new debit card. The new card arrived, I activated it but they did not remove the block on my account. I called customer service and asked them to please remove the block from my account and they then changed their story and insisted that I needed to open a new account. I informed them that I already had another account with Citibank but they still refused to allow me access to my funds. I called upwards of 15 times and each time I was either hung up on or given the run around. We are in the middle of a pandemic and my family is struggling financially. Denying access to needed funds for no apparent reason is unethical and morally wrong.