davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WI)

I submitted a complaint on XXXX XXXX regarding freedom mortgage XXXX. Since taking over my account they have not properly performed the escrow analysis on my account with the schedule escrow timetable. I was told that my escrow analysis would be performed in XX/XX/XXXX. The original complaint that I filed with the CFPB states that they would also perform the analysis in XX/XX/XXXX. Freedom mortgage still has not complied. As a result Im paying more towards my escrow then I should instead of my principal. The last time they performed an escrow analysis was in XXXX of XXXX, which is again not the timetable for homes in Wisconsin. They continue to do my analysis on the date they took over my loan. Freedom continues to pay little regard to the large nominal difference in my payments for homeowners insurance. Then instead of paying me out for overpayment on my escrow they find ways to say Im short. This lender again isnt in compliance and isnt properly handling my account. Now that XXXX has passed im again requesting an escrow analysis be done on my loan outside of the schedule since they again didnt do as they promised.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Ive tried contacting this company to dispute inaccurate information they reported to the credit bureaus XXXX  XXXX and Experian. There is no phone number and Ive written letters to the XXXX. XXXX they have As address beginning on XXXX and have yet to receive a response. This companies erroneous reporting of this account has vastly effected my ability to acquire credit
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I refinanced my va loan. After I refinanced the home in XXXX I set up auto pay with Mr. Cooper, two of the numbers were transposed and the Payment never went through. I was traveling back and forth for two months due to one of my children having XXXX  XXXX and didnt get a late notice until I returned home in XXXX at which time I corrected the issue and caught up all missed payments. I called Mr. Cooper immediately to try to fix the problem and now my credit which has been above 800 for 20 years is ruined. I tried to resolve the issue with Mr coopers research department only to wait 45 days for then to tell me theres nothing they can do. I had a perfect payment history previously. If there is anything you can do to help I would greatly appreciate it.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

We are in a pandemic and because my contract is expired they are wanting me to pay {$5000.00} as my last Payment or they are going to report me to the credit bureaus as late instead of me making my regular Payment of {$1100.00}. I was told because my contract is up regardless of covid and me being able to afford the additional {$4000.00} for this pay period they are going to report me late anyway. Covid doesnt matter.
Consumer complaint received 2021-08-07
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. (NY)

To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.
Consumer complaint received 2019-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

I have no idea who CONVERGENT OUTSOURCING INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CONVERGENT OUTSOURCING INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CONVERGENT OUTSOURCING, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ CONVERGENT OUTSOURCING, INC } was authorized as a  mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CONVERGENT  OUTSOURCING, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM VICTIME OF IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION RESULTING IN DEBT THAT DOES NOT BELONG TO ME REPORTED TO MY CREDIT REPORT, I AM VERY UPSET THAT HAPPENED TO ME IM A VERY CAREFUL WITH MY PERSONAL INFORMATION THIS PERSON WENT TO GREAT EXTENT TO GET TO MY INFORMATION, I WANT TO GET THAT RESOLVED. I DO THIS REPORT ASKING FOR HELP TO FIX IT.
Consumer complaint received 2019-03-08
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. (TX)

I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

called wellsfargo XX/XX/XXXX about hardship result of XXXX XXXX shut down not able to meet normal monthly payments .. given cares mortgage suspension confirmation by representatives told no penalties late fees derogatory credit rating and suspension could be 3 months at time up to 1 year. additionally me accepting this suspension i would not be eligible got loan modification but call when ready to resume payment.. called as was told and was given suspensions of mortgage for several months 3 months at time.. called XX/XX/XXXX given XX/XX/XXXX-XX/XX/XXXXi told rep i expect to be able to start paying mortgage again in XXXX said i would be confirming in XX/XX/XXXX. called in XXXX inform rep n was told i was suppose to only get 1/3month suspension that owner of mortgage said no to the other months they had confirm and if i start to pay in XX/XX/XXXX it would go to my past due not be put to end as i was given, suspended payments were now due. got letter XX/XX/XXXX wellsfargo admit they did error giving me incorrect info but was standing by still my past due that was suspended was now all due. i was told during suspension that accepting suspensions i would not be eligible for loan modification if i wanted it should i not be able to start paying again. i told wellsfargo im ready as i had been informed by them to let them know, paid XX/XX/XXXX/XX/XX/XXXXXXXX mortgage but they arent accepting as current. wellsfargo deceived me as a customer lied to me about suspension of payments n putting it to the end with no paperwork needed or harm to my credit. im been so harassed by newly generated never seen documents theyre back dating as if they sent to me with information they never did deception in practice. I want wellsfargo to stand by what they in a letter to me admit and put the suspended payments to the end of loan as i was told over n over until i called to resume payments.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (NC)

Hello, I previously had an open case with your company and then it was closed by you because it looked like Huntington Bank was taking steps to resolve it. After they sent me an email to mail required documents to a given address in early XXXX, I have not received the money from my deceased mother 's account. I have emailed the representative XXXX XXXX and phoned him twice and have not received a response nor the funds. 
Below is the complaint number you can reference regarding the details of the initial complaint. 
XXXX Filed in XXXX Thank you, You can reach me by email at XXXX or phone at XXXX. 
XXXX XXXX
Consumer complaint received 2020-04-20
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was transunion, and even their report was inaccurate with my no payment history.
Consumer complaint received 2017-12-09
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: BMW Financial Services NA, LLC (FL)

( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied snd these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/XXXX I informed Capital One Bank that my Identity had been stolen open credit card accounts. in the complaint I included my police report, Identity Theft Report from the FTC and an Identity theft report affidavit notarized. also, I supplied a furnisher statement. they responded by stating after their investigation they concluded that either I or someone I knew had authorized access to the account.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

We have our mortgage through NewRez, and we have an escrow account with them to pay our taxes and home insurance. We have never missed a payment. Last XXXX, we received a notice of cancellation of insurance from XXXX. We called and they inform us that they didn't receive a payment from NewRez. After a long run around, we did a conference call with XXXX and NewRez where the agents from both companies exchanged information. Due to the time constraint, NewRez asked for an overnight address to send the payment before the deadline of XX/XX/2020. After a couple days, we called and we were informed that it was processed. We started a refinance with NewRez in XXXX, and today we received an email from the processor that we have no home insurance. We called and stayed for over 3 hours on the phone, they finally found out that the payment was sent to the wrong place and it was cashed but not applied to our account. We found out that NewRez has been charging Forced Mortgage Insurance since XXXX even though they are the ones all along with XXXX who messed up this whole thing. We called today and paid out of our packet for a home insurance to cover our property. since it will not be resolved quickly. We are baring the loss that we have to pay extra for failure to pay our previous policy ( even though as costumers we were dragged between the two, each one of them is pointing finger at the other ). All XXXX could say is, due to COVID all this happened and no one is assuming responsibility for this deceptive and abusive service ( as described by XXXX XXXX ).
Consumer complaint received 2021-11-05
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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, 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 is the inquiry that is still reporting on my account : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-13
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. (NY)

Equifax is reporting fraudulent inquires, I've disputed the inquiries with letters from the furnishers INQUIRY NAMES AND DATES, XXXX  XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX  FROM XX/XX/XXXX DISPUTES WERE SENT AND RETURNED AS VERIFIED.
Consumer complaint received 2020-06-25
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. (AK)

Originally tried to get equifax credit report online XX/XX/2020 Failed. Sent drivers license and social security card. After 2 MONTHS of waiting for them to acknowledge they actually got it, was able to login to myequifax.com. 
4 Months later, tried to login to myequifax.com. ran into same issue, they wanted me to send in another copy of drivers license and ss card. Explained I did that in XX/XX/2020. They refused to reset the myequifax account online. The questioned asked had nothing to do with me. The XXXX support desk accent was so bad, I could not understand any of the questions. They refused to admit that I had already sent them the paperwork, 6 months ago, they refused to admit that the myequifax account worked 2 months ago.
Consumer complaint received 2022-04-01
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. (FL)

IN ACCORDANCE WITH THE FCRA XXXX  XXXX  INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX