davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good Morning, I have a bank of America account on my XXXX  report, that was remove in XXXX.It has be placed back on my XXXX  report, which is a report violation of code 15 U.S.code 1681i. New jersey law states that a collects and only stay on your report for 6 years, and this account has passed that time frame. and they keep up dating the last day of activity which the day is incorrect. thank you for your time look forward to hearing back from you in this matter.
Consumer complaint received 2023-04-03
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. (MO)

I see there are unauthorized inquiries on my equifax credit report and i would like them removed. 

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
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One XXXX XXXX XXXX Credit Card is not allowing to convert rewards to their airline partners. Keeps asking for authentication of my phone number to send a code but it does not work. Called the company three times. They said it sometimes happens but no help with any solutions or any time frame when this would be fixed. 

I have accumulated points but can not convert them. If I knew I would have never gotten this card. Capital One 's customer service is awful and not helpful at all.
Consumer complaint received 2021-06-06
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. (IN)

To Whom it May Concern : Transunion did not verify Late payments on The XXXX Accounts listed on my consumer credit report in XXXX, XXXX and XXXX. These accounts were in Deferment and NEVER Late for the dates Transunion is reporting as Late payments. When I disputed this in XX/XX/XXXX, I received notice from Transunion that all XXXX accounts were UPDATED but they still show late payments on my my consumer credit report. Transunion continues reporting false information. I reported this to them over 45 days ago. They have violated FCRA Regulations. Please help.
Consumer complaint received 2021-08-22
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: AMERICAN PACIFIC MORTGAGE (HI)

We took forbearance with American Pacific Mortgage in accordance with the CARES act. As such, the loan should NOT have been reported as delinquent to the credit bureaus. I have spoken with American Pacific Mortgage and they said that they never reported it as delinquent but all three credit bureaus say other wise. The loan has since been sold to XXXX XXXX.
Consumer complaint received 2022-11-17
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. (NC)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX A XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$330.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX  XXXX Balance : {$160.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

ON XX/XX/2020 EQUIFAX INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE XXXX AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS. 
ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT EQUIFAX FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

EQUIFAX HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

XXXX AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

EQUIFAX NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (PA)

BMW Financial has provided inaccurate information to the credit bureaus regarding a late payment on my account. In addition on two occasions BMW Financial representatives have made false statements over the phone regarding their investigation. Documents will be attached regarding the initial dispute. 

BMW Financial reports false and inaccurate information. 

In my two conversations with BMW representatives I was told that BMW employees receive and process incoming payments by mail. This statement is false. In fact BMW financial uses a 3rd party company " XXXX '' to receive and process payments. According to the company website this company receives billions of payments per year. 

BMW Financial has denied my request to provide verification on how my payment was received and processed, the names of the persons investigating my payment. and their contact information. 

This is in violation of FCRA Laws.
Consumer complaint received 2020-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a dispute to Equifax on XX/XX/2020. By us post office mail not via email. It's been three and half months and they have not replied. 

I disputed an account under the name of XXXX XXXX  XXXX # XXXX. I attempted to get my report online and they don't allow me access online either. So they are not sending me a report by mail to check the results of my dispute and they are not allowing me to get my report online
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (TX)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious 1ST CRD SRVC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2021-10-13
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. (CA)

My mortgage company XXXX failed to help me to put the account under forbearance due to job loss and being unemployed because of Covid-19. Back at the end of XXXX of this year I have reached out to XXXX and notified them about the hardship my family was in and requested for a 6 month forbearance under the CARES Act. I spend almost an half an hour on the phone with a representative and I was assured the account would be put in six months forbearance. Since then I have contacted the company several times because both me and my husband have gotten credit alerts from the three bureaus about delinquencies. I know for a fact that there was a call on XX/XX/2021 and the rep has made notes that I have called and followed up to make sure the forbearance was in effect. Now I was XXXX at the time and for almost 8 months I was lied to by this companies representatives. I have called numerous times and its all in record with them and each and every time I was ensured that someone will take care of the issue with forbearance and also correcting mine and my husband 's credit reporting. We have had other creditors decreasing and also closing our credit cards because of Cenlar 's incorrect reporting. Cenlar has sent me a letter saying that the credit reporting is correct and no one bothered in their company to go through the notes and see that they made a huge mistake. They are in violation of CARES Act. During this pandemic a lot of families have been suffering and I know that the treatment I have received from them is unlawful. My first mortgage is held by XXXX XXXX and all it took was one phone call and they were able to help us. Now I was XXXX  throughout this process and CENLAR has caused me a lot of emotional distress. 
I demand for this company to reach out to al three credit bureaus and correct the reporting by removing the delinquencies from both my and my husband 's accounts within the next two weeks. I also want someone to reach out to me and explain why the forbearance was not placed from XXXX to all the way XXXX when I called and said we are ready to resume payments. All my statements could be verified through their phone recordings. 

Best regards, XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I have had my Amazon credit card for almost 2 years. This was provided to me by J.P Morgan. Never had I been late and I have always made all my payments on time as they were automated. Recently about a Month ago I was contacted and told my Account would be closing. The only reason was due to " Unexpected Activities ''. I called asking for an explanation and was transferred numerous times without an answer. This account closure damages my legnth of credit history/ age, my credit usage, and overall credit. Unacceptable.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (OH)

I have contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple years.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Hello, my name is XXXX XXXX. I recently refinanced my home in XXXX and have a new mortgage with citzen one home loans. The issue I am having is they are charging me double monthly in property tax. A county and city tax at an equal amount. Making it double. I have documents on this which you will see below. Also where they hide it and just double the city tax eliminating the county ... 
I have called a dozen times with the same response and terrible customer service. The answer I received was I have to pay that XXXX dollar difference monthly And wAit for the annual escrow analysis to come out to receive the difference. I am not equipped financially to do this. I work as a frontline XXXX XXXX at XXXX XXXX  in the XXXX XXXX. I refinanced to save money to get by not pay more!!!! I am getting no where with them and need help. Thank you in advance- XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted Experian on XX/XX/year> about my name being on my credit report wrong. I never received a response back. They have me as XXXX XXXX id # XXXX as of XXXX XXXX XXXX.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

To whom it may concern, We are writing this letter in response to the trial modification that has been proposed. Based on the information given with the calculations in place this file should have been considered quite differently. We have not as of this day, received an explanation as to how the calculations have been calculated. The income Gross total is {$12000.00} the total Net income is {$12000.00}. The total PITI payment on this loan is {$7900.00} which gives us a HTI of 65 %. The question remains, how are we supposed to make a payment that is more than the current only to increase the HTI to a high 70 %. ( Please see submission with Loan Restructure Proposal attachment ) We feel as if they have been bullied into accepting the trial modification for fear of losing their home to foreclosure. We have lost a considerable amount of income due to Covid19 when we had to close their business. The business is still not on track and not producing the income to support more than what is being made to put back into the business to keep the doors open. At this time we are requesting the calculations that the underwriter used to calculate this trial agreement. In addition, the property evaluation came in at between $ XXXX {$910000.00} ( please see XXXX attachment ) the surrounding homes in the comps are distinctly less Valued. We are concerned that the evaluation was wrongfully appraised for the lenders benefit. 
Please review the attached documents showing the actual income and DTI/HTI. We are looking for explanations that allow for a 2nd look at the numbers that were calculate and come to a more favorable resolution.
Consumer complaint received 2021-01-27
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. (PA)

According to the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). You are required by federal and state laws to verify thought the physical verification of the original signed consumer contract.Under FCRA, unverified accounts must be removed and if you unable to provide me with a copy of verifiable proof. 

XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX Account XXXX XXXX XXXX I was never Late XXXX XXXX XXXX XXXX Unverified Account these inquiries to avoid any confusion as I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. 

XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report currently on file with Chex Systems. The following inquiries viewed by others and only by you currently listed on my Chex Systems XXXX Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. The inquiries arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX..., has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2021-05-02
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.