davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.
Consumer complaint received 2017-10-22
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. (MN)

I am a victim of identity theft. The following account, collection accounts and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX and XXXX XXXX for a debt thats fraudulent, not mine and dont belong to me.
Consumer complaint received 2021-06-23
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: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report. 
15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just received an updated copy of my transunion credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about transunion because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (TX)

I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and  requested they change the Mortgage Company to SOFI and  to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.
Consumer complaint received 2021-04-21
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. (MT)

In XX/XX/XXXX I applied to XXXX XXXX for a forebearance due to covid19 situation which affected my income. 
I was assured no negative marks would be reported to my credit and that it would not affect my credit in any way. 
I was making partial payments along the way from XXXX XXXX. 
In XX/XX/XXXX I notified XXXX XXXX that I had started earning income again and wanted to start making regular payments at which time they approved a loan modification but did not reduce my 6.875 % interest rate. 
Instead, the tacked on the interest payments I was behind on and my payment went UP instead of down. 
They delayed in sending out my loan modification package for 2.5 months. I did not receive the package until XX/XX/XXXX, after several phone calls I made to remind them I was still waiting on the package. 
I signed the modification and made my first high payment in XX/XX/XXXX and have not been late since. 
In XXXX of XXXX I applied for a refinance with another lender so that I could reduce my 6.875 % rate to 4 %. To my surprise my credit report shows that I did not make any payments at all from XX/XX/XXXX through XX/XX/XXXX. I then asked XXXX to make this right and fix my credit file AND to fill out a VOM ( verification of mortgage ). I called for 3 weeks until I finally received this form ( see attached ). They reported I am delinquent and have multiple late payments. 
This has ruined my chances of getting a lower payment as I was approved for a 4 % rate subject to XXXX providing a satisfactory VOM. 
This is not what they promised and I can not afford this high rate of 6.875 %. I don't want to lose my home. 
Please help me resolve this by getting the VOM to reflect the account is in good standing and there are no late payments. 
Thank you. 
XXXX XXXX
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Please be advised last month I mailed Capital One requesting information on my credit card account. Specifically I requested Capital One provide me a full payment history on my account to substantiate the late payments they are falsely reporting to the credit bureaus. On XXXX XXXX, XXXX I received 2 letters from Capital One. One stated that they are REPORTING the account CORRECTLY which is false. The second letter stated that they have included the information I requested ( full payment history of the account to substantiate the false late payment ). THERE WAS NOTHING IN THE ENVELOPE. Capital One is violating federal law by reporting false information and is harming my creditworthiness with their negligence.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

Alleged debt from 2009. It was paid to the best of my knowledge, notwithstanding, attempting debt collections on a account from 2009 ( Last date of activity/account close request by me/consumer ). This is fraudulent and illegal.
Consumer complaint received 2020-10-07
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. (FL)

THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I HAD A CREDIT CARD THAT I USED WITH NAVY FEDERAL CREDIT UNION. ALWAYS PAID ON TIME UNTIL I LOST MY JOB AND HAD TO HOLD OFF ON PAYING SOME BILLS IN ORDER TO SUPPORT MY FAMILY. THIS CREDIT CARD BEING ONE OF THEM. ONCE I GOT A JOB AND STARTED PAYING BILLS AGAIN AND GOT BACK TO THIS ACCOUNT, I CALLED IN TO NAVY FEDERAL CREDIT UNION TO PAY OFF THE REMAINING BALANCE ON THE CARD WHICH AT THAT POINT WAS 30+ DAYS LATE. SO THEY TOOK MY NEW BANK ACCOUNT INFORMATION TO PROCESS PAYMENT AND PROVIDED ME WITH AN EMAIL CONTAINING CONFIRMATION OF PAYMENT AND NEW REMAINING BALANCE OF {$0.00}. ALL THAT WAS DONE ON THURSDAY XX/XX/XXXX. A FEW DAYS LATER THEY STILL REPORTED THE PAYMENT NOW 60 DAYS LATE. I CONTACTED THEM AND SAID THAT THEY RECEIVED THE PAYMENT INFORMATION FROM ME ON THAT THURSDAY XX/XX/XXXX BUT THAT DUE TO THE PROCESSING TIMES THEY HAVE AND WEEKEND AHEAD THAT THEY DID NOT RECEIVE THE FUNDS UNTIL THE FOLLOWING TUESDAY THATS THE REASON WHY IT STILL SHOWED LATE. I DID SPEAK WITH A REPRESENTATIVE AND SAID THAT THEY WILL APPROVE TO REMOVE THAT LATE PAYMENT NOTICE BUT THAT IT WILL TAKE ME CALLING THE BUREAUS AND HAVE THEM CONTACT NAVY FEDERAL DIRECTLY. TODAY IS FRIDAY XX/XX/XXXX AND STILL NOTHING HAS BEEN RESOLVED.
Consumer complaint received 2017-08-21
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. (GA)

TransUnion is reporting a tax lien on my credit report in the amount of {$1000.00} that was discharged in bankruptcy. I contacted the courts and they are not showing a balance owed, but TransUnion continues to report that I owe {$1000.00}. My bankruptcy was discharged in XX/XX/XXXX2017 and all other accounts have been updated, but this account is severely damaging my credit score. XXXX and XXXX are not reporting this account, only TransUnion
Consumer complaint received 2017-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (NC)

Complaint against - XXXX XXXX -- - A company called XXXX XXXX has been harassing me with constant calls. Bridgecrest is the debt collector for another company called XXXX, a car retailer. I never bought any property from XXXX, but the agency Bridgecrest keeps contacting me, even after I asked them to put my name on their Do-Not call list.
Consumer complaint received 2017-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/XXXX I meet and spoke with a Wells Fargo Personal Branch Manager -XXXX XXXX at the XXXX, Ca branch ( XXXX XXXX ) regarding my POA I have over both grandparents individually and what requirements Wells Fargo has in order to Exercise my rights as POA. The following documents we taken by XXXX XXXX to forward to WF legal. A declaration of trust, certification of trust, individual direct POA for XXXX and XXXX XXXX grandparents ) as well as my original social security card with my given name as listed as well as certificate of marriage showing maiden name change, us passport, CA DL all to verify and validate information provided as factual. I was then given a form to have notirized as advised by XXXX these documents are required by Wells Fargo California Attorney-in-fact Affidavit. On XXXX/XXXX/XXXX I returned to the same Wells Fargo Branch with notarized form California Attorney-in-fact Affidavit. that was provided to me by Wells Fargo. As documents were being processed and entered I was then hualted and advised that Well Fargo will not be able to accept myself regardless of the legal documentation verifying authority to exercise power of attorney due to  my lack or poor credit rating the obtained from XXXX and I was only elegible for a 2nd chance account. I explained to the banker that my financial credit should not be a factor to exercise my rights and that I wish to speak to Well Fargo legal dept. The branch rep then called the department and I requested to speak for myself with legal and was denied direct communication and communication continued with Wells Fargo Rep and there own internal department as I was sitting right in front the bank representatives. Information was relayed to me from branch representative who was on phone with the legal department that I will not be granted access regardless of documentation because my credit is not sufficient enough to be added onto the account regardless of being a power of attorney.
Consumer complaint received 2017-10-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (WI)

The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date XXXX thats the case this is impossible
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I tried to withdraw the amount of XXXXEUR from my account at Coinbase on XXXX XXXX. They sent me an email mentioning that the withdrawal was initiated and the money would be appearing in my bank account by XXXX XXXX ( plus extra 2-3 working days maximum for my bank to process the deposit ). However, nothing has appeared on my bank account so far. I 've lodged couple of support requests to solve this ( one made on XXXX XXXX, other on XXXX XXXX ), and tried to contact them through their XXXX account starting on XXXX XXXX, yet had I received no answer from both channels. All the dates/time mentioned above are in central european summertime.
Consumer complaint received 2017-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion took it upon themselves to post a tax lien on a property I recently sold. Eventually, the corresponding bank paid the taxes, but my credit has a negative impact because of them.
Consumer complaint received 2021-09-07
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. (OH)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2017-10-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, XXXX CFPB : XXXX sub-contractor XXXX XXXX stole, from XXXX XXXX XXXX, XXXX, IL XXXX, my plats of my Homesteads XXXX XXXX XXXX and XXXX XXXX XXXX, both in XXXX, IL XXXX, and refuses to return them to me or surrender them to the State of Illinois Treasurer under the Illinois Unclaimed Property Act. 
I need JPMChase to supply me plats of my Homesteads. 

XXXX XXXX XXXX, XXXXXXXXXXXX
Consumer complaint received 2017-10-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (IL)

I am filing a dispute because I received a letter stating I was not eligible for discharge. I was not sure about the dates I attended XXXX XXXX XXXX XXXX because it had been so long ago. All I know is that it closed while I was attending.There was no supporting document proving my reason for denial of discharge.I am submitting a copy of my notice of ineligibility and my application.This is my 2nd dispute my first was in 2010 and all they sent me was copies of transcripts from school I had attended and a free tXXXX XXXX   program that I attended but nothing XXXX XXXX XXXX XXXX, where this loan was taken out for.
Consumer complaint received 2017-10-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (WI)

The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date usedif thats the case this is impossible
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I attended a nightlcub in 2019 where my purse was stolen. A police report was filed with onsite officers. I recently obtained a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted Equifax, XXXX, and XXXX and advised them of the 2019 incident and the fact that accounts that are not mine are reporting to my account. I also mailed in this information XXXX and XXXX and have not received a formal response. 

Reporting information to my profile without my written consent is in violation of XXXX XXXX XXXX I researched this accounts thoroughly and they are not mine. Reporting accounts in direct result of identity theft is also in violation of XXXX XXXX XXXX XXXX I noticed someone attempting to gain more line of credit in my name because they are credit inquiries listed. I asked that the unverifiable addresses where I never resided also be removed from my profile to prevent any further identity fraud. I still have not received a response.
Consumer complaint received 2021-09-07
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I was conditionally approved for a Deed In Lieu ( DIL ) back inXX/XX/XXXX. I signed the DIL documents with a notary assigned by the Select Portfolio Servicing ( SPS ), the mortgage company, inXX/XX/XXXX. The DIL was filed with the XXXX XXXX XXXX and XXXX XXXX onXX/XX/XXXX. However SPS continued to report me as late pay and delinquent to all three credit bureaus for XXXX, XXXX, XXXX and now XXXX,  as we enter this new month. <P/>I sent certified letters and copies of the DIL to all three credit bureaus showing them I no longer own the property that I was alleged to be late paying on and asked that they address my credit file accordingly. No action to delete or update the file to show it was turned over to the mortgage company was initiated. <P/>In effort to work with SPS, I obtained a copy of the DIL at my own expense and forwarded it to them on XX/XX/XXXX. The refused to honor this document. I went a step further, to contact the third party vendor, XXXX XXXX paid to file and forward the DIL to SPS. When I called, they told me they could not speak with me about the matter of forwarding my DIL documents to SPS, because I was not their client. <P/>Today, despite trying to rebuild my credit after a divorce, which is what precipitated the DIL, I continue to be harmed financially by SPS 's negative reports to the credit bureau by and the bureau 's negligence in addressing my credit file, despite the proof having been provided to them.