davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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. (PA)

On XX/XX/2020 I had a fraudulent inquiry on my Equifax and XXXX XXXX credit Files via XXXX XXXX. I reached out to them ( XXXX XXXX ) immediately and they conducted their investigation and determined that the inquiry was that of identity theft and or fraud. Upon their completed investigation they, XXXX XXXX sent me notice of Inquiry Suppression XXXX / Dated XX/XX/2020 I have since reached out and notified both the Equifax Credit Bureau and XXXX XXXX Credit Bureau attaching the letter from XXXX XXXX together sending US Mail certified return receipt to each of them. To this date XXXX XXXX Credit Bureau removed the Fraudulent Inquiry Immediately per FCRA after five days of receipt. However to this date of filing this dispute with CFPB ( XX/XX/2020 XXXX XXXX  ) I have reached out to Equifax on three separate occasions concerning this theft of identity and they have failed to remove this Inquiry even though being provided this notification from XXXX XXXX. My rights under the FCRA have been violated multiple times by a one Equifax Credit Bureau and as a final attempt to have this inquiry deleted my attorney has recommended/advised me that I file this request first with CFPB before moving forward with a lawsuit.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. 
I am currently XXXX XXXX please remove XXXX   XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX   ( XXXX ) XXXX-XXXX
Consumer complaint received 2023-01-12
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. (AZ)

I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report.

I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (TX)

Good evening, I am writing to ask for assistance regarding a debt that is appearing on my credit reports reported by credit collection USA on XXXX XXXX in XXXX West Virginia. I live in texas. They are reporting a debt of XXXX for Medical services for XXXX XXXX from date of service nearly 10 years ago. I have spoken to office manager twice and emailed correspondence to not only office staff, but listed manager on website. When I spoke with staff she claimed it would be transmitted for deletion XXXX nearly 5 months ago ). My final communication with them was XX/XX/2020. No resolution. Can you please assist me?
Consumer complaint received 2017-09-23
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: Onity Group Inc. (CA)

I have been trying to get Ocwen to remove late payment history from my account for about 3 years. They accused me of missing a payment, which I had n't. It started in approximately XXXX of 2013. I was accused of missing a payment, which I had n't. After they said I missed the payment, I started accruing late payment fees, etc. I was on a fixed income so it was impossible for me to give them 2 payments, so I disputed with documentation, and then they would n't accept the money unless I gave them additional fees, which continued to keep me in arrears.

They never resolved the issue with me personally, however, there was a class action settlement in which I received a payout of a about {$1000.00} due to payment history errors. While I received the monetary payment, they have not yet corrected the information on my credit report.

When I 'd have a phone meeting to talk to a account manager they would cancel, reschedule or something last minute.

They finally approved a modification for me but never reconciled the past due payments that wrongly reported. They show 32 lates because the one payment continued to appear in arrears every month. That is incorrect. I would like to have that history removed.
Consumer complaint received 2022-04-08
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. (CA)

1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Consumer complaint received 2020-12-04
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. (IL)

Dear XXXX XXXX, Transunion & XXXX : Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2023-01-12
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. (DE)

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the XXXX XXXX  but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I got this property in XXXX of 2016 due to the death of XXXX XXXX. I am her daughter I have asked since her death to remove the estate of XXXX XXXX off of the loan due to me not being able to ensure the property with that on there. Nonetheless, every time I send a request or call they tell me they are mailing it out. I currently pay XXXX yearly in insurance through the mortgage company when the insurance is only XXXX yearly. I have stressed to them several times and they keep telling me they are mailing it out. the name on the account is the estate of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX account number is XXXX. I am the authorized account holder since 2016 XXXX XXXX the same address never late on the mortgage. and pay an extra XXXX monthly. I'm not sure why this is so hard I've given over 15 requests between 3 mortgage companies in 4 years and 4 months with no results. the company is XXXX XXXX XXXX and PHH mortgage services. their phone number is XXXX
Consumer complaint received 2023-01-12
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. (DE)

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXX XXXX XXXX XXXX XXXX but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use 200-400k worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it 30-50 point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XX/XX/17 ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX  and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet XXXX placed a XXXX debt of my report. So I again followed the same process the next month ( XX/XX/17 ) and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XX/XX/XXXX the day XXXX XXXX reported to XXXX  I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX  from the agent and I was placed on hold and told " XXXX '' or the federal government. I believe XXXX  is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Consumer complaint received 2022-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One has been reporting a charge off debt on my consumer reports. I informed Capital One via certified letter that they are in violation of 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies, by reporting this inaccurate / incomplete information. Additionally, I referenced other Federal laws, specifically, from IRS 2021 publication 4681, where it states : " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return ''. The IRS defines a " Charge Off '' as " Gross or ordinary income '' ; and further states that a Canceled Debt or a Charge Off is INCOME. Therefore, INCOME is not reported on consumer reports. I notified Capital One of this notating 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ; and had given Capital One 10 business days to Cease this erroneous reporting. Capital One has responded by letter asking for further information from me, i.e. the last four digits of the card account number, my identification, and requesting " the inaccurate information '' when, in fact, I have already submitted this information. Some proof of this is notating the last four digits of my account number on their response letter to me. I am uploading all documentation here.
Consumer complaint received 2022-04-07
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. (SC)

Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I submitted my refund for student loans in XX/XX/XXXX with Aidvantage. The customer service told me that my loans would be reopened in 30 days and my refund would be in my account in XXXX weeks. I called them back and they confirmed my refund is being processed but it XXXX be another XXXX weeks from today XX/XX/XXXX before I will receive my refund. There is no clear answer to when my loans will be reopened and now the timeline just doubled when I have already been waiting XXXX weeks. All of my refund had been paid in the XXXX XXXX refund timeline. I want a refund electronically exactly how I paid them. I am disappointed in the constant misinformation and prolonging timelines.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NY)

I received a letter from the firm XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX ) with reference number XXXX stating that I owed {$32.00} in unpaid tolls and fees to the Pennsylvania XXXX XXXX ( XXXX  XXXX ), which was apparently incurred with vehicle license plate XXXX XXXX. This debt was not incurred by me. I DO NOT own a vehicle and have never rented a vehicle, I DO NOT have a driver 's license, and I have never been to the State of XXXX. 
I called this firm at the provided phone number XXXX XXXX XXXX at XXXX ( ET ) on XXXX XX/XX/2023. I initially spoke to a representative who was unable to provide any useful information. I was subsequently transferred to a supervisor. After doing a check on the account, the supervisor said that the debt was incurred by someone with the same first and last name as me but with middle name XXXX and whose previous registered address was in XXXX XXXX, XXXX. My middle name is not XXXX and I have never lived in XXXX XXXX, NY. The supervisor acknowledged that I was not the person who incurred the debt. The supervisor said that the firm attempted to collect debts by matching only First Names and Last Names. She said that she would remove my address from the file in their system as I was not the person they were looking for. I requested a letter from the firm confirming in writing that I did not owe this debt and that the matter was resolved. The supervisor said that she could not do so, as the debt remained outstanding, but that she could only remove my address from the file. This is an unsatisfactory resolution as I do not have any record in writing that the matter has been resolved.
Consumer complaint received 2020-12-04
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2022 I visited the local Wells Fargo branch to do my monthly withdrawal of funds, and deposit it into my Wells Fargo checking account. 

The ATM distributed the funds during the withdrawal, but during the deposit the ATM shut down and kept XXXX $ as well as my Wells Fargo card. 

I immediately contacted Wells Fargo claims and they told me they couldnt allow me access to my funds right away and it would take up to 10 business days. I contacted them several times after and heard the same excuse even though several customer service agents for claims said they could expedite my claim.

I was unable to access money that I immediately needed for two weeks due to this. Wells Fargo repeatedly emails me saying they are investigating my claim, but no customer service would credit my account the funds I deposited that the ATM ate when it shut down.
Consumer complaint received 2019-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

I deposited a check for a very large sum of money at the Valley National Bank in XXXX, New Jersy and asked when the chech will clear! I was repeatedly told the bank does not know! So I want to the Valley National Bank in XXXX, New Jersy and asked the same question. Again over and over the bank said it did not know! Not acceptable! Of course, the bank, any bank, should know when a check will clear! This is banking 101! I was thus caused considerable inconvenience and uncertainty! Outrageous!
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (MI)

THIS IS AN RV LOAN : Here is an example of what I have been going through. I have emailed them through their website and through regular email. The wait times on calling is about an hour or more ( this is why I emailed XXXX. I also messaged them through XXXX messenger and this issue is still not resolved. 
First message from XXXX : My issue is this My loan payment is XXXX. I pay XXXX each month. I sent a document that shows I want XXXX paid on the loan ( this includes interest ). I want XXXX applied directly to the principal. In theory, I should be paying less interest each month, this has not been the case. The XXXX was applied to the loan and it shows next month I owe less than XXXX. This tells me the XXXX wasnt applied to the principal. I called and was on hold for 45 minutes. I did speak to a rep and was told It does not need to be broken out like it was in the past ( like the document I submitted ). Your systems automatically applies the XXXX to the principal. I have not seen that happen yet. My phone number is XXXX. If what was told is true, you can respond to this message. However, I still have a hard time believing it is being accounted for correctly at this rate your system will show that I wont owe any payments in two months and beyond. 

Second message in an email directly in XXXX : I am having a hard time understanding how I can be paying more interest in XXXX than I did in XXXX. I am paying XXXX more per month on the principal. It would seem like the interest would NEVER increase. I have asked that the XXXX gets applied to the principal ( not as a lump sum with the payment ), if the interest increases than that amount isn't being applied to the principal. I am LIVID. I keep trying to get this straightened out and can't get an answer. The interest should NOT increase, I am paying XXXX more per month to get this paid off. If you could give me a direct number that might help too. I want this to go back to the document I signed. XXXX for principal and interest and XXXX to the principal. I am so frustrated and I want someone to look at this account and explain how the interest can EVER go up when I am paying XXXX more each month on the principal. I do not want next months payment amount reduced, I want the payment of XXXX ( principal and interest ) and XXXX applied directly to the principal. I would understand if I was just paying the normal payment because 30 days in XXXX versus 31 in XXXX, however, I paid XXXX more! My interest payment should not increase because I am paying more than required on the principal. If you look at XXXX and XXXX was done correctly, then I increased the amount to the XXXX additional. I have been paying more in interest than I did last year when I was paying XXXX more per month. I want this fixed and applied to the loan. This is fraud. I want it fixed.