davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I've been an account holder for many years. After I used their credit " services '' my credit score hasn't been attainable since!! They were supposed to dispute things on my behalf and help me. I feel like they stole my information because since then I've had things put in my name that I haven't had any parts of. I let my account close because I kept being charged here and there for what seemed like nothing. I re-opened my account last year and had the same problem. On top of the ATM never letting me take money but CHARGING ME FOR USING IT. Or the one time the atm ATE my card and I had to take half a day off of work to work with the manager to try to release it at the actual BANK LOCATION. I had to give several companies different banking information because I would have money in the account to cover and they would still charge me and not pay the company. Charging me for going below a certain amount when I was over the amount. I took a {$5000.00} check in there when a family member passed and they wouldn't even cash it. I had an account!!! For a while!! I had to end up waiting over a week for them to release my money. I was stranded in a whole other state because they wouldn't release MY MONEY for the LONGEST hold I've ever heard of!!!! Then they charged me to cash it when I had an account!!!!! I will NEVER bank with Wells Fargo again!
Consumer complaint received 2020-10-13
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC (VA)

I have been instructed by XXXX XXXX of XXXX to file this complaint. Please see case # XXXX, the representing firm for XXXX XXXX XXXX XXXX XXXX had no knowledge or information concerning this debt. 

Scott & Associates PC are claiming to represent XXXX XXXX XXXX XXXX XXXX and are seeking collections costs for a previous debt company.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-11-03
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. (NJ)

To whom it may concern my student loans that i paid off show up on my credit file on XX/XX/XXXX but not XX/XX/XXXX or equifax. I would like to be updated so it shows I pay off my things on time and so that my age of credit can be accurate. I also have a XXXX XXXX card of my cousins i am a authorized user on that has still not been updated to my credit report.
Consumer complaint received 2018-04-05
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. (TX)

Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.
Consumer complaint received 2018-09-25
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. (OH)

Transunion has bad information, addresse 's and are reporting them to credit companies. This is nicking my credit rating. After calling, this is a boiler room operation that employs people that can bearly speak english. This should not be allowed let alone destroy people 's credit rating. This XXXX cent operation should be shut down.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

My account was closed with Chase Bank without them acknowledging me before hand. On XX/XX/2018 my direct deposit from work was deposited into My account that I later found out was closed. I called chase to see if I could just pick up a check for the remaining balance or have the funds transferred to my wifes account. I was told no and that a paper check would be mailed to me and it would take 7 to 10 business days. 10 days passed and still no check. I called chase again and they extended the mailing date but could not give me a reason as to why the check did not come. I called customer service several times and have gone into the branches in my city and I still didnt get any answers. I went into a branch and was told that I could open another account and have the funds transferred into the account and it will take 4 days. Today is the fourth day and I have still yet to receive my money. I called customer service and they said there was no paperwork or anything on file that showed I should be receiving MY money. Is has been almost a month without my money and Chase has been nothing but rude to me when I call to recitfy the situation. I will have no choice but to have my lawyer contact them at this point.
Consumer complaint received 2017-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: West Virginia Housing Development Fund (WV)

A letter of notice of error was sent to WVHDF on XXXX XXXX, XXXX which stated the following : This letter is to serve as official notice that an error has been made on my loan account as required under the Real Estate Settlement Procedures Act ( RESPA ). This error was reported to your office on XXXX XXXX, XXXX at XXXX XXXX. by telephone ; however, RESPA only governs  written notices of error. 
My escrow account on loan XXXX has been erroneously charged {$310.00} for Mortgage Insruance Premiums which were cancelled after the XXXX XXXX, XXXX payment. Disbursements were made in error for XXXX XXXX, XXXX for {$62.00}, XXXX XXXX, XXXX for {$62.00}, XXXX XXXX, XXXX for {$62.00} and XXXX XXXX, XXXX for {$120.00}. 
Under Section 1024.35 ( d ) of RESPA I should be provided a written response acknowledging receipt of the notice of error. Section 1024.35 requires a servicer to respond to a notice of error by correcting the error or errors identified by the borrower and providing the borrower with a written notification of the correction, the effective date of the correction, and contact information, including a telephone number, for further assistance ; or conduct a reasonable investigation and providing the borrower with a written notification that includes a statement that the servicer has determined that no error occurred, a statement of the reasons for this determination, a statement of the borrowers right to request documents relied upon by the servicer in reaching its determination, information regarding how the borrower can request such documents, and contact information, including a telephone number for further assistance. 
The servicer should also comply with these requirement no later than seven days ( excluding legal public holidays, Saturdays, and Sundays ) after the servicer receives the notice of error or errors asserted.
WVHDF replied on XXXX XXXX, XXXX that they would review my information and a formal response would be forwarded to me within 7 days. I have not received a formal response as of XXXX XXXX, XXXX. 

It appears that according to my online history {$250.00} has been refunded to my account which is {$62.00} less than disputed. I have not received an explanation as to the difference disputed and it appears my escrow account will be left materially over funded if this is left on account.
Consumer complaint received 2023-03-24
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. (OK)

bankruptcy case number 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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was refinancing my home mortgage with XXXX XXXX. They told me not to tell my current mortgage company that I was refinancing. I was approved for a refinance and was told it would take 21 days or less to close with XXXX. I decided to tell my current mortgage company, NewRez, to see if they had a better offer. Low and behold they told me they could match the rate and it would be less on closing costs by about {$1000.00}. I was told by NewRez that the loan would close within 21 to 28 days. So I stopped the loan process with XXXX and began the process with my current mortgage company, NewRez. I started the process with NewRez on XX/XX/2021. My rate was 3.99 %. The refinance rate was going to be 1.99 %. I was told the process would take 21 to 28 days. 

NewRez asked for all my documents such as tax returns, proof of income, homeowners insurance and three months of bank records. I submitted everything on XX/XX/XXXX. As the 28th day passed, I kept sending emails asking what was going on. I was told repeatedly that they were busy. When the 80th day approached, and it still hadn't closed, I asked if they were trying to keep me at the 3.99 % as long as possible. I said I now had lost several XXXX dollars since I was still paying on my current 30 year loan at 3.99 %. All my documentation was submitted back in XXXX, and there weren't any items needed on my part. I have a 800+ credit score, no other debt besides my house, and a 20 % income to debt ratio. There is no reason this loan should take so long, other than NewRez is still collecting 3.99 % rate from me, and therefore not motivated to refinance my loan. I really think they delayed the process so they can have the higher rate. I emailed them numerous times, and they just said they were busy. I am sure they have closed on several loans since XX/XX/XXXX. I believe this is an unfair consumer practice. I called the Federal Reserve, and was told this is typical of lenders, and they can't do anything about it. I called the State Attorney 's Office, and was told that it is unfair but common, but they can't do anything about it. This practice should not be allowed to continue! I can't even believe that lenders are able to do it and no one can stop them. Very frustrated! They finally closed about 60 days later than what I was told. Something needs to be done to prevent mortgage lenders doing this! Please help.
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

XX/XX/2018, I was informed by Navient that I qualified for loan forgiveness program. Navient employee asked me to stay on line while she directed my call to a XXXXpecialist who would take my information and begin request for loan forgiveness. I was charged a fee to begin process and on XX/XX/2018 XXXX payments of XXXX was charged to my credit card. After contacting Dept. Education, I am now aware that I do not qualify for loan forgiveness program and no fees should have been paid for any reason. 
My bank is aware and will look into XXXX XXXX XXXX.
Consumer complaint received 2023-01-09
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

On XX/XX/XXXX PHH Mortgage sent me a servicing transfer letter. It did not include an assignment of mortgage from my previous lender or servicer to PHH Mortgage. On XX/XX/XXXX in response to a qualified written request PHH Mortgage sent me the note, mortgage, loan application, settlement agreement, and Truth in Lending. It did not include an assignment of mortgage from my previous lender or servicer to PHH. They sent me the mortgage from XXXX XXXX XXXX XXXX and XXXX XXXX. I've asked them for the assignment of mortgage on several occasions, and on XX/XX/XXXX they sent me a letter indicating then XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can be used in lieu of the assignment of mortgage. On XX/XX/XXXX XXXX  tracking number showed XXXX XXXX XXXX  XXXX was inactive. PHH Mortgage on XX/XX/XXXX they told me the XXXX  tracking number has been changed to PHH Mortgage Corporation. I asked them to provide documentation that authorizes them to change the XXXX  tracking number and they told me they do not have the assignment of mortgage. PHH does not own my mortgage and should not be servicing the loan.
Consumer complaint received 2020-10-13
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft and while remedying the effects, I have ordered my Chex Systems report. On this report there is an account with XXXX XXXX  that was not opened by me. This account was opened fraudulently. I have submitted documentation to Chex Systems and the fraudulent account is still reporting on my Chex systems report.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}. 
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 ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX  opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-04-05
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: Go Capital Holdings, LLC (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX  Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX  I have attached a copy of the report to this complaint.

Upon checking my credit I found an item from " Go Financial '' for an auto loan. Upon doing some digging I found that this loan was obtained online through the company " XXXX ''.

I have never done business with either Go Financial or XXXX.

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan nor did I ever purchase a car from XXXX.
Consumer complaint received 2020-11-27
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. (CA)

Close XXXX XXXX Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX  Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but TransUnion and XXXX still have this account under my name I attached dispute information from XXXX.
Consumer complaint received 2018-04-05
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. (GA)

I recently spoke with a Trans Union customer service agent in regards to 5 hard inquiries that were added to my report without my authorization. Last time I check my report was on XX/XX/XXXXand they were not there.

He never provided me options to eliminate these inquiries.

He are the ones I need to be eliminated : 1- Inquiry- XXXX - from XX/XX/XXXX 2- Inquiry-XXXX XXXX XXXX - from XX/XX/XXXX 3- Inquiry-XXXX XXXX - fromXX/XX/XXXX4- Inquiry-XXXX XXXX - fromXX/XX/XXXX 5- Inquiry-XXXX- fromXX/XX/XXXX