davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (VA)

Purchased home in XXXX with my now ex-husband. 
We did an XX/XX/XXXX loan. 
2 loans one covering 80 % and a 2nd loan covering the 20 % My name was the only name on the 1st loan 80 % and we were joint on the second loan. 

We filed chapter XXXX bankruptcy in XXXX and it was charged off. 

The first mortgage was reaffirmed the 2nd wasn't. 

I refinanced the first mortgage in XXXX. Again the promissory has always been I my name only. Yet the Deed of trust filed to the court clerks office has both of our names on it. This is an error. The promissory note and the deed of trust are supposed to match. 
The Deed to the home was signed over to me only from both of our names. 
I can not get the mortgage company to correct the Deed of trust even though they state I am the only name on the Note. 
This is causing a huge problem with getting covid19 mortgage relief assistance since my ex-husband is still on the deed of trust. 
I would have to include him on the application. 
I can't get approval for refinancing since I am a stay at home mom and my current husband works. 
The mortgage is to stay in my name only. 
How can I get my mortgage company to correct the deed of trust without refinancing to match the promissory note?
Consumer complaint received 2024-03-14
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NJ)

I received this card from NJ department of XXXX for my maternity leave. The bank provider of this debit card is Money Network located in po box XXXX, XXXX, XXXX XXXX. I was using the card to receive my benefits. It was a debit card with a XXXX dollar daily withdrawal limit within a XXXX hour period of time. I can not withdraw more than XXXX dollars within a XXXX hour period unless I transfer the money via the bank mobile application. 

On XX/XX/2024 at XXXX am there was an unauthorized withdrawal made from my account at XXXX am. This was a fraudulent transaction made, and money network should not even have allowed it to be processed since I had already withdrawn XXXX dollars on XX/XX/2024 at XXXX pm. 

Upon seeing this transaction I immediately called to request a new card and file a fraud claim as it is not possible for me to exceed a withdrawal of XXXX / XXXX hour period. When speaking with money network they even confirmed that there is a daily limit of XXXX on my card. My claim was initially denied, and I have been calling every week for nearly XXXX  months now with no progress on processing my claim. 

Every time I call they give me new instructions- telling me to fax a new form or mail the paperwork which I have done many times already. This bank has a serious security flaw, and history of fraud with their debit cards. 

I would like assistance with completing my claim and receiving my {$500.00} as not only was this a fraud transaction but this was also a complete failure by the bank to adhere to their account daily limits and security promises. Furthermore they failed to process the claim in a timely manner causing me emotional hardship while I am caring for my newborn child. 

Please let me know if you require any additional information and I will happily provide. Thank you for your help in investigating this matter.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and SSN Card.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Onity Group Inc. (OH)

PHH Mort Svc XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I sent my dispute letters for the accounts and for the hard inquires to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.
Consumer complaint received 2020-07-12
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. (OK)

My Name Is XXXX XXXX and I have requested and provided proof and letters for my bankruptcy to be removed off my credit report in order for me to get my score off the ground to purchase a home. It has not been removed and is hurting my credit. Please remove this item off all my credit reports,
Consumer complaint received 2017-07-07
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. (GA)

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from TransUnion, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.
Consumer complaint received 2017-10-05
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. (IL)

On several occasions, since XXXX XXXX 2017 I have contacted Experian regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Experian is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Experian multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. Experian claims that the debt is valid and has yet to show me HOW. Experian refuses to remove the information and I have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.
Consumer complaint received 2020-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

I am very disappointed about the forbearance plan with Rocket Mortgage, now it comes out that they want the deferred payments when plan ends, they want to charge me double. On the surface it looked like the payments were going to the end of the loan, but turns out they want to double their money, so very disappointed. Wow, talk about deceiving the customer. Biggest lie ever, that they help during this pandemic. Yeah, I don't HAVE to make the payments but after the forbearance plan is over, Rocket Mortgage want ALL their money or they will try to refinance you ... Such a HUGE lie!
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (WI)

Equifax and XXXX  should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

I am writing to file a complaint against Hunter Warfield for violations of the Fair Debt Collection Practices Act ( FDCPA ) regarding a debt collection attempt related to rental property. 

On XX/XX/XXXX, I received a letter from Hunter Warfield attempting to collect a debt on behalf of XXXX for {$4100.00}. This debt allegedly stems from a rental agreement that was terminated due to numerous violations of the lease agreement and failure to address essential maintenance issues, including but not limited to : Failure to provide adequate heating during freezing temperatures. 
Failure to address mold issues in the basement, despite my documented allergies.

Failure to respond to multiple maintenance requests in a timely manner. 
Failure to register the property as a rental, as required by local regulations. 

Additionally, I provided a XXXX move-out notice in XX/XX/XXXX, informing XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX of my intention to vacate the property in XX/XX/XXXX due to their ongoing failures to address these issues per the instructions of the town mayor at city hall as he stated they had not listed the property as a rental property. Despite my efforts to communicate and resolve the situation, I received no response from XXXX XXXX prior to XX/XX/XXXX. 

Furthermore, when I requested validation of the debt as permitted under the FDCPA, Hunter Warfield failed to provide adequate validation and instead stated in a letter that they would only respond to payment requests, in clear violation of the law. 

Based on these egregious violations of the FDCPA and the ongoing issues with my rental property, I respectfully request that the XXXX  investigate this matter and take appropriate action against Hunter Warfield. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I went to Wells Fargo on. XX/XX/14 at approximately XXXX to use their ATM after running the full transaction Wells Fargo ATM froze and declined my transaction placing at hold on the full amount. I went into the branch to try and resolve and was told the ATM was only saying I tried to withdraw {$930.00} despite the hold being {$980.00} plus fees on my checking account. I showed this to Wells Fargo and waited almost XXXX minutes. they told me they needed to speak with the higher ups and after XXXX hrs I was still not granted the full attempted withdraw amount. Wells Fargo has yet to explain any issues and why the ATM had and is continuing to have issues. Attached you will see the pending transaction from XX/XX/14 and amount from XXXX XXXX and the amount Wells Fargo manually credited to me.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Snap Recovery, Inc. (CA)

They harass me every couple of days even after I asked them to stop contacting me. This morning they called again before XXXX XXXX  and when I asked who they were they said, " uh I don't know '' then hung up. I then called them back and the recording says they are Snap Recovery.
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hi, I saw a new inquiry on my credit report using XXXX XXXX by below institution. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX I went to trans union website to file a dispute and had to register for transunion account. 

Post registering the account with TransUnion I found that there is no way to dispute a hard inquiry and I also found that they signed me up for paid XXXX $ monthly subscription service without my knowledge. 

I have 2 complains - Remove unrecognized hard inquiry - Stop frauding customers by auto signing them up for paid subscriptions and revert my money. They may have somewhere very small in their policy that its a paid service of XXXX $ but its clearly not evident when signing up and seems to be kept that way to fraud its customer. 

Thanks,
Consumer complaint received 2024-03-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

This item collections account at HUNTER WARFIELD for the amount of {$4.00} is inaccurate because the debt assigned was improperly sent to collections under my name ( on XX/XX/year> ) and does not belong to myself. The debt was sold to the HUNTER WARFIELD collections agency by XXXX XXXX XXXX without legal notice and/ or verification of debt to myself. I have requested verification of the debt from the collections agency several times and am always sent a bill as a reply. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt I am accused of owing. I have requested verification of the dead on several occasions, both by phone and via mail.
Consumer complaint received 2021-09-08
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. (NY)

Since XX/XX/2021 to present XXXX had been updated on credit report. I spoke to XXXX on XX/XX/XXXX where it was stated my account is no longer with there company. It has been closed and sold to a third party 3 years ago. The 3rd party was never updated on credit report. So whomever is stating there XXXX on my credit report trying to retrieve monetary is fraudulent charges and I want it removed. Due to no one ever stating my account in the past with XXXX was sold. Also the fact that XXXX no longer owns an account in my name looking for over {$300.00} dollars.
Consumer complaint received 2019-10-26
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. (GA)

I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of XXXX XXXX XXXX XXXX. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
Consumer complaint received 2019-10-26
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. (GA)

I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of XXXX XXXX XXXX XXXX. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IN)

I applied online for a Citibank XXXX XXXX card. At the end of the process, I was NOT given an opportunity to approve the XXXX XXXX. Thinking that final approval would be contingent on my acceptance of some credit limit, to be disclosed prior to my final approval, I hit the " next '' button and received notice that I had been approved ... .. for a {$4600.00} credit limit. 
That amount is far below what I require. 
Therefore, I do not want the card. 
I have spoken with numerous departments at Citibank to no avail. 
In my opinion, no one should be allowed to complete a card application until they have seen and specifically approved the credit limit associated with the approval.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I am trying to access my Credit report on Equifax. Their website fails repeatedly and does not provide any reason why they can not process my request. 

I am able to get the credit reports from XXXX and XXXX. However equifax website fails as if it was designed to make customers unable to access their information.
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Please check with Experian, XXXX  and XXXX or please contact me via email or by phone at XXXX so that I can send all the details but the bottom line is that I am dealing with discrimination and also having a lot of trouble getting my credit reports corrected with all three bureaus. I over the span of this year have submitted disputes via phone, email and written and I am still having a lot of trouble getting this corrected in a timely manner. Please respond back.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

On XXXX/XXXX/XXXX I mailed Americollect a certified letter for debt validation and XXXX validation They sent me a print out with no date of birth, no last XXXX or any other identity makers, other than my name and address. 

They alleged bill states " XXXX of abdomen '', first, I 've never had an " XXXX of abdomen '' and I know this because the only body part " XXXX '' is done on is the XXXX, to check for blood flow and regurgitation back into the chambers. 

The bill is fraudulent and so are the charges, I will be reporting Americollect and XXXX XXXX XXXX the BBB And XXXX for fraud.
Consumer complaint received 2019-10-26
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. (OH)

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX