davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (NY)

On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX at XXXX which I did at XXXX and was informed that they " XXXX XXXX '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked to call XXXX working Capital line XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to Mr XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you
Consumer complaint received 2020-07-14
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$19000.00}
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I have been involved as a Defendant in a contested foreclosure action. I have both attempted to settle the matter and disputed the validity of the alleged debt. Unfortunately, several attempts to modify the loan were either botched or were not serious offers. I was forced to file bankruptcy to stop the sale of my home. 

There was an approved loan modification offer sent by mail which was sabotaged in XX/XX/2018 by the Ocwen/XXXX attorney XXXX along with my Bankruptcy attorney. XXXX made several token offers which did not appear to be serious. During this time, I attempted to access the Ocwen website and found that my account was blocked / flagged. My attorney has asked for a break down of arrears in which we received no response. Our calculations show the balance to be close to {$110000.00} where Ocwen claims a balance of {$150000.00}. 

I represent myself in bankruptcy and I am told by Ocwen to speak with an attorney. I am now pro se and my attorney friend is only consulting and assisting in certain areas. I informed XXXX XXXX numerous times that I represent myself and that information must be released to me only. The trigger to these events appears to be the discovery by bank Attorneys that an approved loan mod was sent " inadvertently '' in XXXX. 

The loss mitigation/loan mod program run by Ocwen was designed to fail in my case.
Consumer complaint received 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX  credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

In XX/XX/XXXX, XXXX XXXX was contacted to install solar panels on our roof, initiating a credit check with Mosaic XXXXXXXX for loan pre-approval. By early XXXX, our project was disqualified due to insufficient roof space, and XXXX XXXX promised to notify Mosaic XXXX of the cancellation. However, Mosaic XXXX was not informed and disbursed {$15000.00} to XXXX XXXX without our knowledge. We discovered the outstanding loan in XX/XX/XXXX. 

Upon learning about the loan, we contacted XXXX XXXX, who confirmed the project 's cancellation and re-notified Mosaic XXXX. They suggested a salesperson 's error might have caused the oversight. Despite our efforts, Mosaic XXXX continues to harass us about the loan, claiming they haven't received responses from XXXX XXXX. 

We seek the CFPB assistance to : 1. Stop harassment by Mosaic XXXX. 
2. Fully cancel the loan.

3. Confirm resolution from both companies.

4. Receive a formal apology for the distress caused. 

We request prompt resolution due to the mismanagement and communication failures of XXXX XXXX and Mosaic XXXX. 

I also draw your attention to a recent XXXX XXXX expose on the same topic ( same XXXX companies ) XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report
Consumer complaint received 2020-06-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (OH)

I re opened this because I was unaware of what to do. I have not heard anything back after I submitted the information Ally wanted me to. So a car was opened in my name, I told Ally it could have not been me due to my circumstamces, there is no way I could walk into a delaership and sign some documents to get a car. There was no way I could hve even done that on the phone. I am in the process of trying to buy a house for myself and my daughter, but this is hendering me from doing that. I would like to see this resolved and off my credit. I attached documents of my signature which does not match the contract signature I was sent over by Ally.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (VA)

Fallen behind on my mortgage due to job loss. Mr. Cooper won't accept any payment less than total behind of around XXXX I'm currently in default. No date set. XXXX XXXX is the owner of the loan.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, Innovis credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( XXXX XXXX ), and a FULL REPORT FROM XXXX AND INNOVIS.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

Citi allowed someone to change the address on my account to the following address XXXX XXXX AV, XXXX CA XXXX. I have never lived at this address, and I have never lived in California. The change likely occurred after issuance of my Billing Statement ending XX/XX/XXXX, and before the issuance of the Billing Statement ending XX/XX/XXXX. Enclosed is a copy of the Statement ending XX/XX/XXXX, which contained the fraudulent address. Citi has refused to remove a {$540.00} fraudulent charge for the purchase of tires at or from a store in XXXX. 
As of this submittal Citi has not explained how, when, and why my home address was changed and Citi never notified me of the address change.
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NE)

To : Costco Anywhere Visa Business Card by Citi Date : Tuesday / XX/XX/2020 Re : Disputing your response letter dated XX/XX/2020 My initial complaint/dispute was with XXXX XXXX. On XX/XX/2020 this account was closed from their office and returned to you ( Citibank ) per their letter to me. On XX/XX/2020 you responded with information that is incorrect. It is your response to which I am now disputing. I will do my best to tackle this line-by-line so we are clear on this. 
First : that you have CLAIMED to be unauthorized - I am disputing this for this is not a claim, but a solid historical truth. Again, I was a victim of ID theft, and have a police report file to correspond to this. I noticed unauthorized charges on my XXXX account, and they removed the charges FOR the bank account was NOT even mine. Again, from my initial dispute letter to XXXX, the SAME last 4 digits that XXXX said the unauthorized charges came from - are the SAME last 4 digits of this problem. This account is NOT mine. 
Second : OUR RECORDS reflect that you alerted us ( and ) that you logged into Citi Online multiple times - I am disputing this for ( 1 ) What records are these? Are they phone recordings? If yes, then you will have to produce these recorded phone conversations if we must move forward in this. SOMEONE called you as me, but it was NOT me who called you. ( 2 ) Your records say I logged in multiple times. Your online records will show an IP address from where these multiple log-ins came from. I only use my phone and not any computer. So, again, SOMEONE logged in as me from their computer, but it was NOT me from my phone. 
Third : our RECORDS reflect you verified by phoneas well as payments that were made to the account which were returned by your financial institution - I am disputing this for which financial institution do your records show I have? I have only banked at XXXX XXXX, and they have NEVER withdrawn any payments made from me to you. This evidence will clearly show that I, from MY financial institution, have never pulled back any payments made. SOMEONE else did this from THEIR financial institution, but it was NOT me from mine.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (IN)

This company XXXX put this debit on my credit report during the COVID -19 pandemic To my knowledge no collection can put anything on your credit during this time. I demand they remove this immediately because it has brought down my credit score and I  dont owe this company any money
Consumer complaint received 2018-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2018 I go to XXXX to get a free credit report for TransUnion. I get the report.

I then want to see the score. I get a page that prompts for credit card info, I see NO indication that I'm paying {$19.00} and that I'm signing up for a SUBSCRIPTION.

I then try to cancel my order / subscription at TransUnion website. It is not possible.

TransUnion requires people to call a toll free number, which requires a very long wait.

1 ) It is VERY MISLEADING to not say that seeing your credit score requires signing up for subscription service.

2 ) The page did NOT show how much the cost is.

3 ) It is TOO HARD to cancel the subscription or order.
Consumer complaint received 2018-06-13
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: Checkr, Inc (KY)

Roughly a couple of weeks ago XXXX ran a background check on me!

A man in Florida with the same name and birth day an month an year keeps turning up!

XXXX, FL. XX/XX/XXXX Case # XXXX
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regarding what you said, and I quote " Please note, in order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. '' I already included this information 4 times now. But I will include it all again. As you are required to check with that company yourself requesting proof please actually do so. XXXX/XXXX, XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX (XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ). I am disputing these because they are not mine, I dont have any accounts with any of them so I can not add any account numbers. I never authorized a hard credit pull for any of these companies as my authorization is required as none of these fell under permissible purpose. I can not contact each individual company as for the same reason I can not provide you with an account number. These inquiries are fraud, and I am getting sick of you not doing your job.
Consumer complaint received 2020-07-15
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. (TX)

XXXX XXXX XXXX is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. XXXX XXXX XXXX is not reporting the correct loan amount on all major credit bureaus.
Consumer complaint received 2020-06-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am contacting you again because I filed a complaint about Experian on XX/XX/20 complaint XXXX explaining that accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX were not my accounts. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies. I was told that the investigation would take 30 days but I have allowed well over that period of time & they are still reporting these accounts as of XX/XX/20. I am asking again that these accounts be deleted from my credit report.
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (IL)

I discovered I was enrolled in a financial service with US Bank XXXX XXXX XXXX '' on my checking account. I was not aware of this account and the actual cost related to this. I saw the line-item ; however I was not clear what it was. I thought it was just a bank benefit that would become active if used. Then I saw the line item on my statement Auto Payment XXXX XXXX XXXX and when I called US Bank, the Customer Service Rep confirmed it was an actual XXXX XXXX  Account and I was getting charged. Most upsetting was that I was not aware of the enrollment, and especially the XXXX XXXX interest rate. 

I never used the funds. I made an appointment with a banker with little response. I started the conversation early XXXX and by XXXX, he indicated there was nothing he could do. I paid the balance off as I felt I had no choice but now I see it's impacting my credit negatively.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contacted my bank this past Thursday to file a claim for XXXX due to unauthorized transactions through XXXX the smaller charges were credited back to my accountthe next day however the largest of the charges the on XXXX I was told would be XXXX account the next day. When the next day came and passed I was told it would take XXXX he's that time passed I called for 2 days and was to some one from investigation would return my call after that didn't happen I became overdrawn by XXXX I told them prior to this that I don't like to over draft I keep getting the run around it feels like.
Consumer complaint received 2018-02-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WESTERN OHIO MORTGAGE (KY)

On or about XX/XX/2017, Western Ohio Mortgage XXXX ( " XXXX '' ) denied my new construction/mortgage loan application as evidenced by sending me a Notice of Withdrawn application stating, " File incomplete '' as a pretense for discrimination. In fact, XXXX previously had received all required and necessary documents to process said loan within 45 days or less. On information and belief, I believe that I was treated differently based on my race, color, sex, marital status, age, and other forbidden factors when I applied for a new construction mortgage loan with XXXX. For example, XXXX refused to consider my reliable income from full-time employments as both an XXXX XXXX and XXXX   XXXX XXXX. XXXX rejected my new construction mortgage loan application because of my race, color, sex, marital status, age, and other forbidden factors. XXXX also imposed different terms or conditions on the new construction mortgage loan application as evidenced by accusing me of being a XXXX XXXX based on my race, color, sex, marital status, age, and other forbidden factors because I made a cash land purchase for {$40000.00}. XXXX required a co-signer after I had received the pre-approved letter and met all its requirements. XXXX rejected my new construction mortgage loan application after 45 days of submission of my completed loan application and caused a {$3000.00} increase in building price after XX/XX/2017. XXXX failed to tell me the specific reason it rejected my loan. XXXX caused me to pay {$450.00} for the property appraisal.
Consumer complaint received 2018-06-14
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: SUNTRUST BANKS, INC. (FL)

XXXX from Suntrust shared my information with multiple financing companies who have pulled my credit report without my authorization but they claim it was with SunTrust authorization.
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (GA)

In XX/XX/XXXX, i disputed this debt with XXXX XXXX through XXXX asking for the debt to be validated. I was supplied no information to validate this debt. XXXX  just claims the debt was " verified as accurate '' having had no sufficient validation provided to me. I attempted to contact original debtor, XXXX XXXX in XX/XX/XXXX and they could not locate nor give me any information to validate this debt. Also this collection agency, XXXX XXXX is not authorized to collect in Georgia, the state in which I reside.