davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - XXXX : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX CT XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX :
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (IA)

The following accounts are incorrect, and they are adversely affecting my livelihood. 
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 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AZ)

US Bank reversed a provisional credit on XX/XX/23 before I received my {$210.00} refund from XXXX. As basic as it gets. They admitted to that being backward but did not solve the problem. So now I am short that in my account and NO refund yet. This creates a financial hardship with bills to pay.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I got an email on XX/XX/20 that my mortgage was being transferred from XXXX XXXX  to Suntrust. 
I never got any kind of information in the mail or via email from Suntrust. Today I got an email threatening a late fee because I haven't made a mortgage payment yet. 

There is no way to register online to pay without my account number. I have been on hold with their customer service for over 40 minutes trying to get this sorted out and I am at work so this is not acceptable. I tried getting through to their customer service on XXXX through @ asksuntrust and they directed me back to their customer service telephone number.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CO)

I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, XXXX and MRS , so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me  into paying this debt that they are responsible for. 

My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, XXXX, and MRS BPO, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/MRS BPO about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
Consumer complaint received 2020-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

CFPB Case Number XXXX, Case # XXXX. 

Ocwen Loan Servicing, llc, now PHH Mortgage Services ( " OCWEN '' ) was named as beneficiary in a limited trustee sale guarantee policy issued by XXXX XXXX. Customer Reference : XXXX Order No. : XXXX. Dated : XX/XX/2014. Name of Assured XXXX, XXXX, As Trustee, and Ocwen Loan Servicing, LLC as Beneficiary. Issue : A foreclosure was informed was completed by XXXX XXXX XXXX XXXX XXXX, the trustee on XX/XX/2014. XXXX XXXXXXXX XXXX XXXXXXXX XXXX has stated under penalty of perjury that it paid off Ocwen to satisfy the obligation and the reason for the trustee sale. I am not in receipt of acknowledgment of the payoff from Ocwen specifically stating that it received the payoff. REQUIRE Ocwen and its successor PHH Mortgage  Services to confirm or deny it received payment from XXXX XXXX XXXX XXXX  XXXX, trustee sometime on or after XX/XX/2014.
Consumer complaint received 2018-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IN)

This is the 2nd time I'm submitting this claim because after I submitted it before under complaint # XXXX. The feedback was to follow up directly with the company. Not only did I reach out the company yet again with a letter, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies. This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2017-08-03
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)

I signed up for an account with Equifax. The scores they have for themselves,  XXXX  and  XXXX  are all incorrect and do n't match any other FICO score for me. I called Equifax and they refused to help me over the phone, saying that they could not give me a score over the telephone. I am trying to buy a house and the mortgage company I am using uses Equifax exclusively so I have been rejected for a mortgage. As well, I paid down a lot of debt and as a result, Equifax dropped my credit score by  XXXX  points.
Incorrect information plus no customer service. As well, their website is almost always down for maintenance.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

After several attempts of trying to solve this problem with Equifax they are still reporting negative information to my credit report they are reporting inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Which are all false and inaccurate I called them and talk to a rep named XXXX employee number XXXX He was a rude and nasty After I told him I already sent the documents over 45 days ago and that they are requesting Equifax they lost the documents that I sent over and is not complying with the FCRA guidelines which gives you 30 days to respond or it must be deleted
Consumer complaint received 2020-04-23
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: U.S. BANCORP (IL)

I have been trying to work with XXXX  XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX  XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX  XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX  and XXXX  and XXXX  XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and Elan Financial Services regarding the same issue for more than a year and to no avail, no action taken place.
Consumer complaint received 2018-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT A scam of a Fraud agency by the name of XXXX XXXX has been posted their frivolous information on my report from Transunion credit bureau, I have sent prior complaints to Transunion, I haven't got any positive response. I never had any contracts made with this XXXX  XXXX scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam Transunion with a Federal Lawsuit and huge Punitive charges and damages to my credit.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case number : XXXX Amount Disputed : {$14.00} Received a food delivery order from this merchant, immediately, after receiving order noticed an error with one of the entrees. Called merchant on same date of purchase, spoke to XXXX at the merchant and asked for either the proper item be redelivered to me or a credit issued to my payment method. The individual hung up the phone on me! Was provided a lengthy document to fill out from Capital One, this was faxed- see attached pages. Obviously, the merchant has no interest in rectifying issues in which they have caused, leaving me no alternative but to file a dispute.
Consumer complaint received 2018-07-12
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. (FL)

XXXX  has updated that this XXXX account is paid a settled. Whereas transunion and XXXX  has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need transunion and XXXX  to update comments as paid charge off settled account as XXXX  did
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (CA)

I would like to know the names of the actual people who benefit from this mortgage. I don't want the trustee. I don't want the trustor. I want the name of the person who OWNS the money I borrowed -- the BENEFICIARY!!! There is a track record of it somewhere. I have reason to believe that the loan has been paid off due to the lender applying for MORTGAGE RECOVERY during a default back in 2013, & that they were paid off IN FULL but are still threatening I owe the money after it was modified. I would like to know the name of this BENEFICIARY who provided the funds to me, NOT THE TRUSTEE or TRUSTOR. By not offering this information upon request is a violation of Mortgage Regulations & laws according to the SEC.
Consumer complaint received 2021-04-25
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: Experian Information Solutions Inc. (GA)

I am contacting you regarding the Payment History portion of my Experian credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | XXXX XXXX | Open Account -First Investors Financial XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -United States Department of Education XXXX XXXX XXXX XXXX XXXX Account
Consumer complaint received 2020-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Mortgage satisfaction Regions Bank On XX/XX/XXXX I started a mortgage refinance application with XXXX XXXX, my existing mortgagor. I had a second mortgage at Regions Bank that I decided to pay off rather than to pursue a subordination agreement. 
On XXXX XXXX, XXXX, I sent a cashier 's check by XXXX  overnight to Regions for the payoff amount of {$51000.00} and the check cleared XXXX on XX/XX/XXXX. 

Here we are, two months later and XXXX has still been unable to get the necessary satisfaction of mortgage in order to proceed with the new refinance mortgage. Obviously the interest rate lock has expired.

While I recognize the problems caused by Covid-19, this is not tolerable. 
Regions should not be allowed to be originating new loans until it gets its back office in order. 
I just received this email from XXXX I wanted to follow up with you again as we have been pestering Regions for weeks now and they still have not sent over anything regarding the satisfaction of your HELOC. 

They state that it takes 7 -10 days and all communication is through snail mail, but at this point, Im worried that we are well beyond that and we still have no response from them. 

Is there any way you can reach out to them to press them to return the documents to us that we requested? 



Thank you for your assistance.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Convergent Resources, Inc. (CA)

Convergent outsourcing   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA  XXXX   XXXX  Keeps doing credit inquiries on me.
I contacted them and they asked for my SS number immediately. I did not provide it.
I do not owe any one any money as of  XX/XX/XXXX  to any company or person. Besides my normal cc companys.
Every time they inquirie it lowers my fico score
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (AL)

GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have multiple incorrect and unauthorized credit inquires 1. ) Capital one XX/XX/XXXX 2. ) Capital one XX/XX/XXXX 3. ) Capital one XX/XX/XXXX 4. ) Capital one XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX /XXXX XXXX XX/XX/XXXX 10. ) XXXX/ XXXX XXXX XX/XX/XXXX 11. ) XXXX/XXXX XX/XX/XXXX