davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-18
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: Santander Consumer USA Holdings Inc. (NY)

I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2020-04-13
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. (OH)

On XX/XX/2020, I called XXXX XXXX  to have 4 fraudulent hard inquiries removed from my credit report. XXXX XXXX  confirmed the inquiries were fraudulent and said they would submit a request to Equifax to have them removed, which would take 30 to 60 days. 

On XX/XX/2020, a 5th fraudulent hard inquiry had been added. I called XXXX XXXX to get the 5th one removed. The person at XXXX XXXX  said they would not disturb the first request for the first 4 inquiries, but would add an additional request for the 5th one to be investigated and removed later. 

On XX/XX/2020, I called Equifax to ask why they had not removed the the 4 fraudulent hard inquiries on my report that XXXX XXXX  had reported to them. Equifax told me they have not received anything from XXXX and that I have to contact XXXX. Since Equifax had been telling me XXXX has to fix the error and XXXX told me multiple times in 2020 that they had sent off the request to Equifax, I wanted Equifax to allow some form of communication between all three parties to get this error sorted. Equifax had already put me on hold for a combined total of 1.5 hours this evening, but then put me on hold again when I asked to speak to a manager, where after being on hold for 15 more  minutes, Equifax hung up on me. 

I believe Equifax is not interested in fixing my problem and just wants the customer to give up and hang up so they don't have to do anything.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I refinanced my home loan earlier this year and set up automatic monthly payments. I was than told my loan was sold to SunTrust ( a company I have never heard of and do not trust ). I received mail but since I did not know the company I assumed these were fraudulent. I than started to receive notifications that my mortgage was over due. As far as I knew I had automatic deposit occurring. Please also note that I am a healthcare provider and a single mother. I have not been micro managing my checking account since I do not have time... I have now spent over an hour with Sun Trust on the phone trying to figure out who they are... I was told they are around for a few years. What ever that means. I have also attempted to sign up for online access and they blocked my account... I am now sitting on hold for another hour waiting to talk with someone about unblocking my account so that I can see what is going on. I am more than upset that I have to be waiting my time when this was NOT my issue. I continue on hold...
Consumer complaint received 2023-04-01
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. (FL)

I have contacted " XXXX XXXX XXXX '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL DISPUTE XXXX 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Contacted all credit bureaus : XXXX, XXXX, and XXXX about collections on my credit report. 
From the company : DEBT RECOV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-09-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

3RD COMPLAINT, THE CHAMPION MORTGAGE STILL REFUSES TO RETURN MY CALLS, OR MAIL ME COPIES OF ALL MONTHLY STATEMENTS FROM XXXX. THEY DID RESPOND VIA UPLOADED DOCUMENTS FOR XXXX, BUT THOSE DOCUMENTS I HAD ALREADY RECEIVED 6 TIMES VIA MAIL. THE COMPANY REFUSES TO ACKNOWLEDGE MY CREDIT LINE INTEREST GROWTH AND FAILS TO PROVIDE THE AFORMENTIONED DOCUMENTS. I MADE A CREDIT LINE DRAW FOR XXXX IN XXXX AND AM STILL GETTING THE RUNAROUND. REVERSE MORTGAGE RULES STATE THEY HAD 5 DAYS TO PAY OUT MY DRAW. REVERSE MORTGAGE RULES ALSO STATE THE SERVICER MUST HAVE ALL MONTHLY STATEMENTS ON FILE. I HAVE BEEN HAVING THIS PROBLEM SINCE XX/XX/2021. 

THE CREDIT LINE DRAWS OUTLINED BY THE COMPANY DO NO NOT PROVIDE SUPPORTING DOCUMENTS AND FAIL TO ACCOUNT FOR THE INTEREST GROWTH FROM XXXX, AND XXXX. PLEASE ESCALATE MY COMPLAINT TO A COMPETENT ACCOUNTANT IN REVERSE MORTGAGE SERVICING.
Consumer complaint received 2021-05-24
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (WV)

XXXX is foreclosing on property. Said I had abandoned it. Have tried several times to contact the company by phone, fax, and priority mail. They will not respond. 

The person involved is XXXX XXXX NOVAD Management Consulting llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX
Consumer complaint received 2023-03-22
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. (TN)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (IL)

On XX/XX/2020 I checked my credit profile at approximately XXXX CST and upon viewing my report I noticed erroneous and fraudulent accounts on my profile. The accounts that are not authorized by me are as listed : XXXX XXXX XXXX XXXX  Account number : XXXX amount : {$1700.00} XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1500.00} XXXX XXXX XXXX  Account number : XXXX amount : {$53.00} XXXX XXXX Account number : XXXX amount : {$180.00}
Consumer complaint received 2021-03-26
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: ALLY FINANCIAL INC. (WA)

I did not authorize 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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL, XXXX on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.
Consumer complaint received 2021-09-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Freedom Mortgage Company (CA)

I was unaware that Freedom Mortgage bought my home loan until I received notification from my bank that my credit score dropped 167 points. Once I contacted my original lender they informed me of Freedom Mortgage. I contacted Freedom, paid my outstanding bill in full immediately and was told that I could dispute the negative credit reporting. They said they would call me. They never did. I called again and they told me that I was responsible and that the credit dispute would not be resolved. Because of their lack of contact ( even when they had my information from my previous lender ) my credit score dropped 167 points. This company has been found guilty of misreporting and has been previously fined by Consumer Finance.
Consumer complaint received 2021-03-26
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. (VA)

I have advised Equifax several times of XXXX XXXX XXXX inaccurate reporting and they have done nothing about it but continue to report inaccurate and missing information. Credit Limit is missing XXXX XXXX XXXX
Consumer complaint received 2021-04-04
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: EQUIFAX, INC. (GA)

XXXX XXXX is reporting an account to all 3 credit beauraus that is not my account. I have never had a XXXX wireless account or applied for one. I sent them my ID and all the info they asked for to dispute the information but they are still reporting it as valid. Someone else opened this account in my name. 

I have disputed the amount 3 times, asking for the original contract and copies of my signature and this was never provided to me but the account debt was verified as well as called XXXX and sent them all the information they requested. I live in a completely different state than the address they report as opening the account. 
This has been going on for almost a year now. Started XX/XX/2020 I believe if not earlier.
Consumer complaint received 2023-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

The white-collar crimes committed by Wells Fargo , XXXX XXXX XXXX XXXX along with the unequivocal stamp of approval by the XXXX XXXX of New Jersey XXXX XXXX , has set a precedence of fraud and deception throughout the state and snuffed us out of our homes and ultimately robbed us of our Due Process of the Law. 

1. In XX/XX/XXXX, I was offered a trial modification with Wells Fargo to begin XX/XX/XXXX, whereby I would call the 1st of every month to make my payment. XX/XX/XXXX, Wells Fargo denied my payment stating that I had unresolved title issues which were never proven. 

2. I received a letter from Wells Fargo dated XX/XX/XXXX, that gave me new mortgage payments to start XX/XX/XXXX. A gentleman showed up at my house on XX/XX/XXXX to inform me that he was the new owner of my house because he purchased it at a Sheriff 's sale on the previous day ( XX/XX/XXXX ). 

3. This sale was vacated on XX/XX/XXXX and the proceedings were never recorded. The Successful Bidder was granted a clear title on XX/XX/XXXX, 9 days before the sale was vacated, but never reversed in the XXXX XXXX XXXX. Because of this title, he sold my property to a friend. 

4. After living in my house for over 50 years and owning it for over 30, I was evicted from my home on XX/XX/XXXX. Seeking restitution for the evil plaguing our communities and justice for all parties affected.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I had to have my card number canceled out and a new card issued. They need a copy of my photo ID. I took several pictures but was unable to get an image with their app or my camera that they could use. They finally had me pay the library to scan a perfect copy to PDF. I have looked at the file myself and the image is perfect, but after telling me to go buy this image, they then told me this wasn't good enough either. They also tell me that while they can not use any of the images they have, one of which I had to pay for and is a perfect image, they also have no other options to issue a card if their system fails to accept the perfect image. So they won't issue me a new card to use my credit, but still expect me to pay on the open account which is in good standing but I can not get a card to use with it.
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (FL)

I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

On XX/XX/XXXX and XXXX of XXXX  I did two money transfers via Western Union XXXX XXXX. Both transfers failed, so the Company promised me they will refund the money. Those refunds to date havent yet been made, even though the dates set by the Company for this to occur have already been met. On the attached pdf file you may see the Company emails, where they set the dates for the reimburses to be met. Having asked my bank about this they tell me they havent received the reimburses.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I received the most recent debt collection letter for XXXX XXXX XXXX today, XX/XX/XXXX. It came from a company called Convergent. This is the 5th Collection company that XXXX XXXX has sold this debt to. I do not owe this debt and it has been successfully disputed and removed from my credit report 3 times. The most recent being in 2020. I receive harrassing calls from Covergent for them and they are continuously hurting my credit score. I do not know who XXXX XXXX is and when Iasked for proof from them in XXXX, they could not provide any documentation. I am pretty sure that this is a credit scam.
Consumer complaint received 2020-11-04
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. (NV)

I have a car loan on my credit report that does not belong to me. It was disputed with all three credit bureaus. I filed a police report and an identity theft report. The contract from this company and initial application has my name but a totally different social that doesn't even belong to me on it. XXXX  and XXXX  both deleted the account but Equifax has deleted it and then put it back on. There is no proof it is mine and the social the account is under isn't even my social.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing in today regards to my account with Capital one Account # XXXX specifically the lates reported XXXX XXXX XX/XX/2020. Unfortunately due to Covid I was unable to make those payments due to Covid. As soon as I was able to I made the payment.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc. (CA)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$XXXX}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$XXXX}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, Central Portfolio Control, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity. 
Harassment : Central Portfolio Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report. 
Corrective Action : Central Portfolio Control must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with Central Portfolio Control. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation