davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (TX)

In XXXX with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681 15USC 1666b 15USC 1681 a ( 2 ) ( a ) ( i ) 15USC 1681a ( 2 ) ( b ) 2021 its publication 4681 15USC 1681a ( 3 ) 15USC 1692g 15USC 1692c 15USC 1692j 15USC 1681b ( 2 ) 18USC 1028a 1 Account name. 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 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  XX/XX/XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 A1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-09-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I requested a title loan from loan mart on XXXX XXXX. I was informed by the representative XXXX XXXX that I could pay off the loan early at any time. However, when I went to the website I could only pay less than {$10000.00}. I contacted loanmart again and they instructed me to send a cashier 's check to the address located on my loan documents XXXX XXXX XXXX  c/o LoanMart XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I sent certified mail including the {$10000.00} cashier 's check with USPS tracking number XXXX on XX/XX/2021. I called loanmart to check on the status of the check and they said nobody had gone to pick it up-spoke to XXXX XX/XX/2021. On XX/XX/2021 called loanmart again and spoke to XXXX and he informed me that they would be picking it up that day and will post 1-2 days. After several days nobody from loanmart picked up the check and it was scheduled to be returned to the sender. I called loanmart again and they said I sent it to the wrong address ; however I told them the contract specifically states to send it to that address which the agent I first spok to had informed me as well. On XX/XX/2021 I spoke to XXXX and this agent stated that I need to send it to another address and that pay off checks should have been sent to a different address. He also informed me that they don't do any pick up at the po box . but he would inform management to make an investigation as to what had happened and why was i not given the correct information, that if it was laonmarts mistake they would definitely correct it and not charge me the interest accrued. 
On XX/XX/2021 I spoke to XXXX and explained my situation and he informed me what he also had on the notes, and given the situation and missed information that loanmart would honor the payment and the payment date. I contacted USPS to re-route it however they stated it needed to be returned to sender and I gave them my address. Along the way my mail got sent to Virginia and I requested an investigation. As of today XX/XX/2021 the investigation is ongoing and loanmart has threatened to dishonor the payment and the payment date since it has been several days which is out of my hands
Consumer complaint received 2018-07-03
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)

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX Bank Mortgage this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXX Bank Mortgage is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from XXXX different debtors. 
XXXX XXXX XXXX has to be removed from Equifax major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I am very worry of the way my loan is been credit. I receive the escrow review statement dated X/XX/2017 reflecting escrow shortage for the amount of {$4800.00}. Since I do not want any other fees to be added to my monthly mortgage payment. I decided to pay the full amount of the shortage. I mailed out a check to Wells Fargo on X/XX/2017 for the full amount of {$4800.00}. and it was withdrawn from my bank account. However the monthly mortgage statement I keep receiving from Wells Fargo is reflecting my escrow is higher every time. With this complaint I am providing a copy of the check I mailed to Wells Fargo. Also my bank statement shows the check was cashed out. I dont understand if I paid my shortage of {$4800.00}. My mortgage statement dated X/X/2017 is reflecting a escrow balance of {$6200.00}. I am requesting a detail explanation of how my loan was credit. Also the an explanation why my escrow keeps increasing every time. Please address all my concerns since I do not want to fall behind. Due to Wells Fargo 's mistakes Thank you in advance for your consideration.
Consumer complaint received 2020-05-07
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: EQUIFAX, INC. (GA)

ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES
Consumer complaint received 2020-01-21
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)

These accounts are fraudulent and do not belong to me XXXX XXXX account number XXXX openedXX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX/XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX XXXX + duplicate listed twice account number XXXX XXXX / XXXX XXXX
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have notified XXXX and Equifax that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (TX)

Years ago citi mortgage called me an asked me if I wanted to refinance my house I paid XXXX for it lived there for two years and then I got that call to re finance and we talked and my interest was 7 % and they told me that they could get it to half that and I asked over and over so this will make my final principal go down and they said yes so I said go ahead of course so they proceeded to do this and while they did this I still would send a payment which would get sent back to my bank XXXX XXXX and 3 years of them not letting me make a payment I got a letter saying they got my interest down to 3.5 % but now they said my final principal was XXXX XXXX XXXX XXXX XXXX dollars {$110000.00} so I refused to pay for fraud and they sent a check for XXXX $ so we cashed it and doing that I guess we agreed to their settlement of screwing me over but it shows still active on my credit and I went to court in XXXX Texas when they evicted me and my wife the judge said we could contest it but it would cost XXXX $ and recommended that we did considering we actually showed up for a eviction nobody does that they just move I paid a lot of money and remodeling into the house and the citi mortgage lawyer said all parties walk free considering what had happened so now they done sold the house for XXXX and still charging my credit and it is immoral please help
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Federal Credit Control, Inc. (MI)

XXXX XXXX XXXX XXXX has violated my Federally Protected Rights under the FDCPA. I sent XXXXXXXX XXXX a letter to cease communication and they failed to comply with federal. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I have now put you on Notice to Cease Communication from me from all mediums as stated in attachment.
Consumer complaint received 2020-08-23
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: BMW Financial Services NA, LLC (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no  knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-03
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-23
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. (GA)

During the month of XX/XX/XXXX I was made aware of an attempt to collect a debt on my credit report. 
XXXX XXXX, XXXX Credit ID : XXXX Credit Account # XXXX  XXXX Comment code : FW reports that I have an account with them and I do not. This was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX   or XXXX XXXX, therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 

This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They have no proof of this being a debt of mine. I was a victim of credit fraud and it has been well documented. This is a clear violation of the Fair Reporting Act. I would like the CFPB 's help in correcting this issue.
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & R Collection Service, Inc. (TX)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with R & R COLL SVC plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$110.00} Amount Disputed : {$160.00}
Consumer complaint received 2020-01-21
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. (MO)

Over the past year to no avail I have filed several complaints about the FACTS on my credit report.Under the " fair debt collection act '' I am entitled to proof that I owe the monies stated inaccurately on my TRANSUNION credit profile. It states that collectors must document a claim and Evidence that proves this claim. 
UNFAIR PRACTICES OF REPORTING AND ACCEPTING THIS INFORMATION IS REFLECTED WHEN THE INFORMATION THAT IS PROVIDED ON MY TRANSUNION REPORT IS INCOMPLETE, DOES NOT PROVIDE A COMPLETE HISTORY OF PAYMENTS. 
35 % OF MY CREDIT WORTHYNESS IS DEPENDENT UPON THIS HISTORY AND THE ACCURACY IN WHICH IT IS REPORTED, THAT IS, THE SOURCES THAT PROVIDE CREDIT INFORMATION ALSO PROVE THIS INFORMATION WITH PROPER DOCUMENTATION STATED IN '' THE FAIR CREDIT BILLING ACT ''. 
So, under the FAIR REPORTING ACT all information in my credit report, I ask this info be proven, with evidence or removed from my report to show a more complete history of the Facts of my standings.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (CA)

In the process of me moving i lost personal documents amongst other things in end of 2019 due to the current pandemic a lot of things i was forced to leave behind i lost all my Socials i.d Birth Certifiates in that process i put in an order online due for new i.d socials and birth certificates due to offices being closed and to renew my adress for social securtity to send out new everything they sent them all to my old adress listed even though i updated my current adress the mail box to my old adress had been broken into also so any one could have gotten a hold of my information and i dont understand how this mistake can be made i didnt really know much about credit until i received those letters in the mail and decided to actually check my credit and i have multiple inquiries from unauthorized credit users trying to receive an auto loan in my name to know someone was able to actually obtain an auto loan in my name is completely discouraging and i am baffled by this new found information Now i am left to deal with a car loan on my credit report that isn't mine So im not sure if this information possibly belongs to someone else but it is completely not mine at and I've tried everything i could possible to get this inaccurate information removed
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2021-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MI)

I was laid off due to Covid-19. I applied for the pandemic relief through my mortgage in XX/XX/2020 and was approved. Now they fraudulently reported negatively on my credit report. I was never late with them and current when I applied for the pandemic relief. As a matter of fact, paid all that was owed and ended my forbearance plan early. Now for the month of XXXX they added a 90 day late. Again, I was not in default prior to being approved for the pandemic relief program. 

Im attaching my approved pandemic relief letter, the three payments I paid when I chose to call and end the pandemic relief early and paid all payments due during the pandemic on the phone with an agent during the same call of me asking to end my forbearance early, and the credit reporting showing the negative 90 plus days reporting forXX/XX/2020. I did everything right during the plan and called Immediately when j was called back to work and immediately paid and took myself off the plan. I made sure I wasnt taking advantage of the program and in turn they took advantage of me and destroyed my credit putting me in the high risk category for lenders.
Consumer complaint received 2021-03-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Mortgage on our home was paid off in XX/XX/XXXX. We received a call on XXXX XXXX, XXXX informing us that our home would be put into a sheriff sale for unpaid escrow on the home. The call came in from XXXX XXXX stating he was from Option One Mortgage. The phone number is, XXXX. We were informed that we had to purchase money orders in the total of XXXX to take care of this past escrow. My husband, XXXX, went out and purchased the money orders, but I wanted to speak to this man, who informed XXXX to call him from the Post Office to get the address to send them to. When I spoke to XXXX, he stated that they had sent papers about this amount in XXXX to us. We did not receive said papers and were informed by him that he could no longer send them since the account was closed. We ended the call and contacted Ocwen, which was our mortgage company and were informed that there were no past escrow due and the deed was at our local deed office. XXXX has called us daily to demand this payment and that the attorney 's office that was handling this account was waiting for payment. He gave us the following name and personal address of where to send the money orders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.