davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Federal Adjustment Bureau, Inc. (OH)

This request is in response to complaint # XXXX with FABCO. I never received a mailed validation letter validating this debt as you claim. Please forward me ( mail ) proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. A bill, account ledger and payment history does not validate the debt. I demand that all references to this account is deleted and removed from my file.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau XXXX is reporting an erroneous debt on my credit file that is not mine. The days that this debtor is claiming this happened, I was in surgery and there was no way I could have anything to do with that account. I have filed a police report with XXXX Police, XXXX # XXXX in regards to this erroneous debt. This is a fraudulent account, and I demand you remove this account off of my credit file, or the next steps will be getting my attorney involved!
Consumer complaint received 2015-11-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Pacific Rim Alliance Corporation (CA)

I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter..
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has been reporting bankruptcy on my credit report for years which I sent in documentation multiple times to prove it wasn't me it was my father who has the same name
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (TN)

In 2018 i refinanced my house with quicken loans. I owed XXXX to Barcley 's bank for a credit card. XXXX wrote a check to Barcley 's for the total amount due of XXXX payable to Barcley 's. I sent Barcley ; s the check and the debt was declared paid in full by Barcley 's. Apparently Barcley 's had hired a collection agency named XXXX for my debt. I have no recollection of dealing with XXXX, but either Barcley 's failed to notify XXXX that they received payment or XXXX failed to remove it from the credit bureaus because I have just refinced my house again with XXXX to get a lower interest rate and once again they have made another check to Barcley 's for the same XXXX. I have now had to pay Barclay 's twice for the same debt. XXXX 's tells me I will have to contact XXXX. However, my Check is made out to Barcley 's  and since I don't owe the XXXX Barcley 's will have deposit the check and reimburse me. Barley 's or XXXX XXXX should have removed this debt from the credit bureaus so I didn't have to pay it twice, If you could help me clear this up I would appreciate it.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (FL)

Experian is INCORRECTLY damaging my score. In at least the past 90 days Ive had 3 collection accounts REMOVED from my file, paid every bill on time and paid down my credit cards. My CC debt is very low ( less than {$1000.00} XXXX yet my scored has dropped from. A XXXX to a XXXX. My score should be XXXX not XXXX. My score at this point should be at lest a XXXX. In addition for OVER 6 months ( Even before COVID ) now the Experian online dispute tool has been XXXX. This should be fixed.
Consumer complaint received 2019-06-04
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: Experian Information Solutions Inc. (VA)

My identity has been compromised and now I'm seeking help from the major credit bureaus demanding that they block the following accounts from my credit files inwhich are not mines. Please remove these accounts. 

1 ) XXXX XXXX {$580.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX XXXX {$1400.00} 4 ) XXXX XXXX {$7400.00} 5 ) XXXX XXXX  {$1500.00} 6 ) XXXX XXXX  {$1400.00} 7 ) XXXX  XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 20 ) XXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2. XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet
Consumer complaint received 2016-12-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

the bank : Bank of America has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with Bank of America
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time.
I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In   XXXX   XXXX  , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with?
I would be grateful for your response.
Thank you.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted XXXX XXXX when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I would like to file a Complaint against Bank of America Home Mortgage as it pertains to erroneous escrow [ Insurance ] charges to my Acct -- which is a XXXX year fixed rate conventional mortgage with a monthly fixed payment. We have provided numerous documents to B of A proving seamless, and correct coverage .I purchased my insurance through a reputable insurance agent who simply made a change in the underwriting but not in my coverage back in XX/XX/2016. There has been no lapse of coverage proven, and no non payments of the original mortgage amount. i have received a past due notice for the mounting amounts for the erroneous escrow charges. Upon visiting a local B of A office this am, i was told i must first pay the erroneous charges before they will relieve them from my account. According to the local B of A office at XXXX in XXXX, NC XXXX XXXX # XXXX, " their '' mistake has been on file/record for months but they can not correct the erroneous billing error. This is an unfair banking practice to have me, as a consumer, pay hundreds of dollars in erroneous escrow charges first BEFORE they will correct " their mistake ''. Yes, i said before B of A will relieve all escrow charges from my account. Apparently, this is a scheme to hold a loan customer XXXX, i worry that it may impact my credit as well.. Please advise -
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX
Consumer complaint received 2018-07-03
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. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX   XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

American Education Services ( AES ) -- my student loan company -- has reported me 30 days late to my XXXX credit bureaus for the month of XX/XX/XXXX while I was in an approved forbearance. <P/>I have attached Forbearance Requests for : ( All of which were approved. ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have also attached the approval letters from AES approving my forbearance requests. In addition to the fact that I was in forbearance when they reported me as 30 days late, in regards to AES 's XX/XX/XXXX policy surrounding approved forbearances covering and reversing any late payments, for both of those reasons, I should not have been reported to the credit bureaus as late. <P/>CFPB, I need your help. Please help me get this issue corrected. I plan to refinance these loans to get away from this horrible company. I need your help. My credit score dropped XXXX points because of their inaccurate reporting. <P/>Thank you so much! I am so thankful for you!
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are 6 accounts from the same source Us DEPT of EDUCATION that are not mine. Ive recently talk with my lawyer, I then sent an FTC document in as well for transunion to block information I cant be verified. They dont disclose any promissory note with my hand signature there fore its no reason my name and social is tied to this.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX i sent equifax a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

As of XX/XX/XXXX of 2021. A judge and MCM lawyer found that I was exempt on continuing writ of garnishment. I filed complaint with you all back in XX/XX/2021, and they said they would cease and desist debt collection. Even though they said that they had legal to but the thing is my situation has not changed I have kids that I take care of nothing has changed. Yet, here we are 3 months later them sending me a letter trying to collect even though they said they would put a cease and desist on my account cause I do not have the money. This was a debt that I had when I was married and my wife used up the card when she lost her job. So I will keep filing my complaint cause we put this already in front of a judge and proved that I am too poor to pay this debt.
Consumer complaint received 2022-09-14
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (OR)

My original mortage payment through Umpqua Bank was {$2100.00} with {$580.00} going into to the escrow account. The escrow was to cover an estimated {$6600.00} in property taxes and {$940.00} for insurance. After the first year, our taxes were {$3400.00} and our insurance was {$1400.00}. They collected {$7000.00} for the escrow account and on XX/XX/XXXX, issued us a refund check for {$2500.00} for over payment. They continue to estimate the property taxes for {$6600.00} and have raised our mortage payment to {$2100.00} to cover what they say is the overage in insurance. This increases the amount they will collect for the escrow account to {$7100.00}. I called and was told that the escrow account always has to maintain a balance. It currently has a balance of approximately {$1800.00} after the reimbursement to me, insurance and tax payment. I believe that my payment should decrease not increase. This is my money that they are collecting interest on when they know there was an overage prior to raising the payment. My last mortage through XXXX XXXX lowered or raised the payments based on only what they needed to collect.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-04
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. (CA)

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX
Consumer complaint received 2019-06-04
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. (CA)

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX