davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (NM)

Im submitting a complaint to you today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and I'm done with it. Per FCRA section 605b Credit Reporting Agencies are required to block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Mr Cooper, without my authorization, withdrew {$1900.00} from my checking account on Monday, XX/XX/XXXX. Then four unsuccessful attempts on that same day, causing NSF fees toatally {$140.00}. Then Thursday, XX/XX/XXXX, it happended again. {$1900.00} unauthorized withdrawl and four NSF fees ( {$140.00} ).

Monday transactions were refunded back to me, end of business that same day. Thursday 's transaction have not been refunded back to me. I have called Mr. Cooper and escalated the issue. I am still waiting to have my money returned to me. My checking acount now has a negative balance. Mr Cooper needs to be held accountable for these unauthorized transactions.
Consumer complaint received 2021-04-30
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. (NV)

I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked experian to investigate this issue properly. I asked for them to please ask the credit company XXXX XXXX XXXX who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked experian to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company XXXXXXXX XXXX XXXX  just writes that the debt is valid and experian just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. Experian is just using a computer generated system to get a response from XXXXXXXX XXXX  and all they have to do is say " yes '' the debt is valid and experian reports this!! Experian and XXXXXXXX XXXX  should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when experian isnt following the law. They should not be allowed to control a debt score if they dont follow the law
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have a home mortgage with XXXX ( Loan number : XXXX ). Basically I paid off some money but they still charge me same monthly payment after 4 months. I call them many times but they dont want to proceed my request. 

I paid off {$100000.00} for my mortgage in last XXXX, and submitted recast request on XX/XX/XXXX. It's been 3 months, and my request is still not completed. Tomorrow ( XX/XX/XXXX ) will be my next payment date. I'm paying 400+ more money every month than I should During these 3 months, i called mortgage customer service many times. They always asked me to wait, or gave me wrong info like " we will finish it by this week/month ''. 

Finally a supervisor helped me last week. She called mortgage department and asked them to complete my case before XX/XX/XXXX. But today when I called them, still no luck. I escalated, they just told me a manager will callback. I want to get my money back, but they dont care and dont want to help me as usual. 

I believe they want to charge me more money every month, and escalation doesnt work. Not sure how long it could be completed.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (WA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NJ)

I have around 4 different credits cards opened without my permission I didnt know about this until I applied for a apartment I check and file a dispute and they said the information its accurate when none of the information at those cards its actually my address or phone number Its a card from XXXX XXXX XXXX XXXX-opened in XX/XX/XXXX XXXX bank-opened in XX/XX/XXXX XXXX XXXX And I didnt authorize anything and this its affecting my credit because this person who did this never make a payment
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Recently received a letter from Midland Credit Management , Inc, in regards to a debt that is not mine and never known to me. Send company a Validation letter on XX/XX/2020. Please help.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I am disputing a charge and the details are outlined below. Charge was made XX/XX/XXXX on my Chase Amazon Credit Card with a post date of XX/XX/XXXX - On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX  through Amazon. The Amazon order number is XXXX. Cost with tax was {$1100.00}. On XX/XX/XXXX, I received notification from Amazon ( not  XXXX or XXXX XXXX ) that there was a problem with the XXXX  and it was being recalled. This is the link - XXXX XXXX XXXXXXXX I called XXXX and they told me not to use the XXXX  as it was a fire hazard. I asked where it could be repaired and they told me the parts were not available and did not know timing as to when available. I called and wrote to XXXX XXXX asking about a return. They told me I was past the time on their return policy. I have notified Amazon and not sure of the status. I have also filed a dispute with my Chase Amazon Card but so far not much response on that. I have found on the internet that XXXX of these units have been recalled in total ( XXXX last year ). I believe there is also a class action lawsuit against XXXX. This complaint is against XXXX XXXX ( possibly XXXX ) as XXXX XXXX sold me a generator that had problems and still has problems and is dangerous and can not be fixed at this time. XXXX XXXX nor XXXX have notified me about the recall even though I purchased the generator from XXXX XXXX and registered it with XXXX. I only leaned about the issues through Amazon.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have recent inquires that I do not know about about my XXXX  report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (SC)

In XXXX of this year my account was paid in full by the card security that I was paying monthly for on my Amazon store card. After that occurred they lowered my limit to {$100.00} and I have not used that account or anything since that time. I went online today to speak to someone through their chat line to find out if by chance they could increase the limit as {$100.00} was nothing to spend on their site, there major feature Amazon Prime is {$99.00} a year and that would have made up the whole available limit that shows available to me to spend as the pdf shows under my account on Amazon Store Card. When the agent looked into the account she stated the account was closed due to a management decision and that I was sent a letter which I never have received. I feel that this company is ripping people off by advertising and wanting customers to pay for the card security but once they have to use that card security that is supposed to help their account then they lower the limit where the customer can not purchase anything and then cancel the account without even notifying the customer or showing as closed online ( again as evidenced by the .pdf of my account page that was taken just today on XXXX/XXXX/2016 ) which plainly shows I have a {$100.00} available to spend. I feel this company is practicing both illegal and unethical practices by penalizing and even closing customers accounts after they " have '' to use their account protection due to whatever reasons ( job less, medical, XXXX ). And this can be viewed just by doing a quick google search and you will see how I am not the only customer this has occurred to. Even the debt cancellation letter they sent showing where the amount was paid never mentioned they were dropping the credit limit or even closing the account.
Consumer complaint received 2020-12-08
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)

I searched my Transunion credit reports and found. that the CRA Transunion LLC just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with XXXX XXXX XXXX First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) Transunion reports ( 3 ) three different amounts as the amount owed to XXXX XXXX XXXX!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' XXXX XXXX XXXX '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! Transunion & '' XXXX '' also list a third amount of {$490.00} as the figure owed to " XXXX  '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, Transunion and " XXXX XXXX XXXX '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and XXXX XXXX XXXX disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP ME..
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One has inaccurately reported my account with a balance of {$580.00} dollars. It accurately reports there were no late payment and the account was closed in XX/XX/2018. My credit report is showing this account as a charge off. Please investigate further.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name isXXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$17000.00}.
Consumer complaint received 2020-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NC)

On XXXX XXXX, I attempted to take advantage of Cross Country Mortgages split payment process by paying half of my mortgage payment two weeks early. My payment was misapplied, and on XXXX, I called in order to resolve the issue and pay the remainder, in order to also stay current. The customer service agent miskeyed my account number, so three weeks later, I was informed that the payment failed to go through, so I called again to try to rectify the situation. I was given the appropriate information for the split payment program and another attempt was made to bring the account current. I was assured that the miskey issue was identified and resolved, but three weeks later I received another notice of a failed payment. On XXXX, the Cross Country Mortgage site allowed me to make one payment, but the rest of the payments were still not resolved, and 1-2 late payments have been assessed. On my fourth attempt to resolve the issue, I was transferred three times, disconnected twice and finally ( after a 20 minute hold ) I was connected to a supervisors voicemail, which was full, so effectively I was disconnected yet again.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

After a recent divorce and the reasons leading up to it, I was advised by my attorney to pull a credit report only to realize that there were many accounts opened in my name that I did not open, sign for or authorize. I have file the identity theft report with the FTC and the police report and notified the creditors and the credit bureaus. I did not hear anything back from a couple of the creditors so I followed up with a phone call to verify that they had received paperwork and to ask if they needed anything else. I was told by CapitalOne that because my wife and I had a joint checking account and that we lived at the same address that I would be liable and that they would not remove from my credit report. They could not provide me a signed document where I had opened account, was opened by wife online, and they also told me that the card had been used by me at a hotel, by me, and that they verified, also justifying that I benefited by the card staying there. I asked for hotel and date used, location and phone number. I never stayed at that hotel and was n't in that city at that time AND the reservation was made on XXXX. CapitalOne told me that it was a civil matter and to sue my x wife. It is not civil, it is fraud and I have done what I am legally required by law to do. There are 2 account numbers that were opened by her in my name with CapitalOne. CapitalOne also told me that an incident report was not evidence enough, that is what was filed when I called the police to report.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (IL)

On XX/XX/21, I received a notice from Sequim Asset Solutions that I owed {$330.00} to XXXX. This was the third time I have disputed this XXXX bill as it was paid in full. I have sent a notice on XX/XX/21 to Sequim disputing the debt, along with proof of payment and requesting debt verification. It was sent certified # XXXX XXXX XXXX XXXX XXXX. Sequium has failed to verify the debt, but yet has reported this to the credit bureau. When I disputed this through XXXX, Sequium just said " it is valid '', but still has yet to provide ANY proof or remove it since it was PAID IN FULL.
Consumer complaint received 2021-09-21
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: CBC Companies, Inc. (MD)

On XXXX/XXXX/2021, I mailed the following letter certified to Innovis : To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ; should be excluded from a consumer report.

Pursuant to 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, congress states ANY CARD and the credit card used is my social security card. My social security card was used to originate every consumer credit transition listed below : 1 ) XXXX XXXX XXXX XXXX ( # 1 ) 2 ) XXXX XXXX XXXX  XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In conclusion and pursuant to 15 USC 1681a ( 2 ) ( B ), items listed above should be excluded from my consumer report and I DEMAND THEY ALL BE DELETED IMMEDIATELY as Innovis is in direct violation of my federally protected consumer rights under Title 15 Chapter 41. 
Thank you, The following accounts still remain : XXXX XXXX XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi (AL)

Ive contacted dignifi plenty of times to tell them that isnt my account and they refused to help me out, they have bad customer service talked to me very rudely Ive been trying to get help from them for month everytime i call they hang up on me this isnt right i contacted XXXX XXXX and XXXX they wont help either dignifi has ruined my credit score very badly i worked too hard and long to get a perfect credit score and they just damaged It over night they say i owe something i dont even have which is over XXXX dollars
Consumer complaint received 2022-11-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX  : {$2700.00}
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

I sent short sale packages many times, the last time on XX/XX/2024 with a higher offer of {$480000.00}, now the property is schedule for Foreclosure Sale auction and the servicer did not responded on the amount that the lender wants in order to have an offer that meet the requirement. They do not want to say the appraisal results of the property, and they do not want to say how much they want in order to approve the short sale
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (NJ)

A person name XXXX XXXX XXXX thats on my criminal background check has my social security number on his information. Me in him. It the same person I dont know him. I need him removed off my criminal background