davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (MD)

I received this document with some projections from Sortis, unsure of why this projection was sent to me. I signed an agreement with Sortis XX/XX/18, that was signed and notorized by both parties as of XX/XX/18, for a loan modification that started XX/XX/18. The first payment of the new loan amount of {$990.00} was sent electronically on XX/XX/18. However this was not reflected on a statement Sortis sent  me dated XX/XX/18. As of XX/XX/18 XXXXXXXX XXXX XXXX took over the loan. ( Attached is the signed and notorized by both parties loan modification paper for Sortis, the letter sent from Sortis regarding the change to XXXX XXXX  starting XX/XX/18, and the projection document. ) The question is why is Sortis sending a document that was not included in the loan modification.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was offered a Covid-19 based forbearance and then later loan modification by my my mortgage servicer XXXX XXXX XXXX 

During the trial period XXXX XXXX sold/transferred my loan to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXX. accepted my trial loan payments and I was able to get a loan modification. 

During this time I made all of my loan payments on time and even 3 months in advance of when they were due per XXXX XXXX XXXX monthly statements. 

Part of the promise made by XXXX XXXX was that once the trial period ends and provided that the loan payments are all made in a timely manner no negative credit reporting would be made to the credit bureaus and any negative reporting would be removed. 

After the trial period was completed and loan modification was entered into on a permanent basis. XXXXXXXX XXXX  XXXX went ahead and provided false negative information to the credit bureaus. 

When I asked them to remove this information they told me they would not even though this is in violation of my agreement. To this day they refuse to correct this information even though they can not proffer any information regarding any delinquencies on my loan.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the West of XXXX ( see Receipt # 1 ) On XX/XX/XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by those Agencies : A.- XXXX XXXX XXXX B.- RECEIVABLES PERFORMANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX, WA XXXX PH : XXXX PH : XXXX and the last report was on XX/XX/XXXX. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX  receipt cc.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, Transunion, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

IN RESPONSE TO CFPB COMPLAINT : XXXX THIS ACCOUNT STILL REFLECTS ON MY CREDIT REPORT TODAYS DATE:XX/XX/2018 XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION XXXX DEPARTMENT DOCTORS BUSINESS BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX XXXX XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax is allowing XXXX XXXX XXXX  to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXXXXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

previously disputed capital one revolving account with a balance of {$670.00} reporting payment status of charge off. I have asked multiple times to verify account stating my signature on it and verifying this debt is mine. I have not received anything.l have been contacted by a fraudulent collection companys in the past for unsustained debts for that reason its that I am asking for full verification of account as I do not recall having this account open. date less active is reporting XXXX XX/XX/XXXX by XXXX XXXX and XXXX while XXXX is reporting XX/XX/XXXX. payment history is reporting consecutive charge off as if it was some sort of payment method by XXXX. From what I have understood there is no way that you can report payments on a dead account.
Consumer complaint received 2018-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX has been screening my background, employments, credit cards, DVR, XXXX   and bank accounts to steal people 's money from their account and robbing houses since XX/XX/2016!!!!!
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit card plan as late for any purpose.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/2021, received an email notification that my Chime debit card has been compromised from the following merchants, while my card was on my belonging : XXXX XXXX - {$62.00}, XXXX XXXX XXXX XXXX - {$190.00} XXXX - XXXX XXXX XXXX - XXXX Immediately when I noticed the transaction, my emotional judgment made me dispose of my debit card, then filed a dispute and requested a replacement card using the Chime bank app. The bank sent me an email to complete the dispute form on Mon XX/XX/XXXX, XXXX XXXX. Completed the form and emailed it to the support department on Mon, XX/XX/XXXX, XXXX XXXX. On Tue, XX/XX/XXXX, XXXX XXXX, I received an email stating " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I replied to the email stating I would like to appeal the case, then received an email stating " Thanks for reaching out to Chime Disputes Team! If you do not agree with the outcome of your dispute, you may submit a rebuttal, provided you have new information that was not provided to us previously. This new information can be a conversation with the merchant, copy of a receipt, a police report, your work schedule, etc. '' Immediately I went to my local police office to file a police report and sent the information to my bank on XX/XX/2021, XXXX XXXX. Still the same outcome. On Sat XX/XX/2021, I decided to go to all the merchants was the transaction was made to see if they can provide me a copy of the receipt for the fraudulent purchases, wasn't able to obtain it since they needed the card number which I didn't have anymore. I have called Chime if they had that information but they didn't. I did record the conversation I had with the merchant and emailed Chime to re-appeal the case on Tue, XX/XX/XXXX, XXXX XXXX, but on Fri, XX/XX/XXXX, XXXX XXXX, received an email with the same outcome.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (FL)

LVNV dba Resurgent Capital Services has continued to call my employer my cell number every day threatening me jail time law suits and bullying tactics to collect a charge off for {$1200.00}. I tried to negotiate with the debt collector and they said they will not negotiate with me at all. I wish for this debt to be removed from my credit reports per the FCRA for violations of tactics that are unlawful and against the law.
Consumer complaint received 2020-06-05
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. (GA)

In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( XXXX, XXXX, Equifax ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Consumer complaint received 2022-11-19
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I filed a dispute with transunion for a collection on my credit report that involves an utility company ( XXXX XXXX ) sent to my collection account on behalf of this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
This bill first of all was due to their negligence cause I didn't owe this but I still went ahead and pay since I don't like collection on my credit hoping they would wipe it off my credit immediately it showed. But they didn't do that as promised. I contacted the XXXX credit bureau. XXXX good company took it off immediately, but the other XXXX are so stubborn and even after ther report they still said it's accurate which isn't. I just paid it off cause I don't have stress dealing with a collection company in the first place. If I had known would have not pay immediately. Both the collection agency and XXXX and transunion are not helping. 
Because of XXXX $ that I already paid up my XXXX XXXX is down XXXX point. Which I see as XXXX XXXX XXXX XXXX XXXX XXXX  I can't get a good rate on a mortgage that we are trying to get which makes it more annoying. And it feels like why do I even try to be a good credit guy. When the system can just rip you off and seems like you can't do nothing about it.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Received 2 1099-Cs for XXXX One in my wife 's name and one in mine. This loan was payed off in full in 2019 and there was NEVER any cancellation of debt. Called and spoke with customer service. She was professional and polite and started talking about having a modification etc. which I never had. She confirmed with their loss mitigation department that there was no modification in the past. She sent an email to the department responsible for sending out tax notices. I'm filing this complaint to put it on the record that this has happened in case it is a systemic issue at Wells Fargo affecting other people. Given Wells Fargo 's history of deceitfulness and lack of integrity, I felt it necessary to immediately file this complaint. Also, as a person who has completely paid off what started as a XXXX dollar mortgage in a shade over 15 years and prideful about that accomplishment, just the mere insinuation that I was ever in default of any kind is a direct offense to me, and further substantiates why I will never do business with Wells Fargo again. Way to go on accusing a timely paying customer of having a default and cancellation of debt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from XXXX, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability. 
I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than 30 days ago, I filed a dispute with XXXX regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), no tangible progress has been made in resolving this issue. 
In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing. 
Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Good afternoon, Please help! I entered into a real estate contract to buy my first house. My lender and I were ready to initial the loan application but she was having issues pulling my credit report from Equifax. I was affected by the Equifax breach, so I was offered their " XXXX XXXX XXXX '' service, which seems to be what is is causing the issue. When I log in into my account I get a " credit lock status error '' ( image attached ). I called Equifax to explain the urgency of the situation and they said it will take up to 7 days to fix. I've been calling Equifax everyday for the past 10 days now and they keep saying " we have submitted a ticket, someone will look into the problem. '' At this point, I am very frustrated, I have a deadline to meet on my real estate contract, I will potentially lose the house if this issue does not get fixed as soon as possible. I've already spent a lot of money on the house inspection, lawyer, and the like. Please help me get a response from them as soon as possible! Thanks in advance for your help! Please let me know if you need any other information from me.