davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
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)

On XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

Transunion responded XXXX/XXXX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XXXX/XXXX/XXXX on my credit report and Transunion told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

XXXX responded XXXX/XXXX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XXXX/XXXX/XXXX and XXXX has not responded. 

XXXX responded on XXXX/XXXX/XXXX and removed the accounts, and appeared on XXXX/XXXX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XXXX/XXXX/XXXX and was not showing any of the accounts due to fraud now as of XXXX/XXXX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.
Consumer complaint received 2016-10-28
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Caneel Capital, LLC (FL)

Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''
Consumer complaint received 2017-11-29
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. (OH)

There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
Consumer complaint received 2020-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

XXXX XXXX CLOSE MY XXXX XXXX CASES!!!!! I'VE ALREADY OPENED 3 AND THIS XXXX  IS NOT RESOLVED!!!! I GOT A CALL FROM A XXXX NEW NOTARY TODAY STATING I HAVE TO SIGN MY COVID19 FORBEARANCE PLAN AGAIN! I SIGNED THIS XXXX  IN XXXX! MY SISTER SIGNED HERS FROM TEXAS! I WAS APPROVED & ACCEPTED. HUD GAVE THESE XXXX SCAMMERS THE XXXX XXXX MONEY. MY PAYMENTS WERE APPLIED. THEY DON'T EVEN KNOW WHO SUPPOSEDLY SIGNED WRONG! THEY'RE XXXX SCAMMING LIARS. I WANT THIS ESCALATED TO SOMEONE WHO I CAN COMPLAIN TO FOR FRAUD! I WANT TO START A CASE IN CIVIL COURT FOR THEIR DISGUSTING NEGLIGENCE.
Consumer complaint received 2017-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I have a VA mortgage with US Bank, for years I have paid on time normally over the amount due. XX/XX/XXXX I sent a check from may bank, XXXX, to US Bank for {$2400.00}. They only used the electronic withdrawal for XXXX and then they say I am late and did n't pay the mortgage. They have no copy of the check, XXXX has no copy of the check. How can a bank withdraw money without producing a check or other evidence of the amount? I have called both and neither will do anything except say it is being looked into. I am supposed to pay interest, late fees and have a mark on my credit score ( XXXX last check ) because of the banks mistake. The bank makes a mistake, destroys the evidence and it is my fault. US Bank and XXXX both are refusing to do anything to help
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I filed a complaint with the office of the comptroller of the currency in XXXX XXXX then I received a letter from OCC stating my complaint does not fall under the direct jurisdiction and that my complaint has been forwarded to CFPB. " Brief Description '' My name is XXXX XXXX XXXX and my social security number has been placed unlawfully in check systems since approximately XXXX Bank of America claim suspected account XXXX. I do not believe that I XXXX the account. The account was paid in full quickly I have made attempts trying to get my name out of check systems and to settle the matter respectfully with the bank ; that included writing a dispute letter, talking with bank representatives in person at the banking branch, and calling on the phone, they have refused to take my name out of check systems. I 've tried to open a checking account and or savings account several times and have been shamefully denied.. Please investigate this matter on my behalf, the depths of the long term harm as my social security number has been in check systems for many years. If your office needs detailed information regarding the incident please do not hesitate to me on my cell phone at XXXX -- Thank you, XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My ex husband, XXXX XXXX forged my name on a loan modification in XX/XX/XXXX for the property that he was awarded in our divorce. I contacted OCWEN individually and thru CFPB ( Case # XXXX ) in XX/XX/XXXX, explaining the forgery. They did nothing but disregard my complaint saying that the signatures " look consistant ''. I submitted a police report to the XXXX XXXX Sheriff 's Department ( XXXX XXXX, CA - Report # XXXX ) of the forgery in XX/XX/XXXX. XXXX XXXX admitted to the sheriffs department that he forged ( 3 ) signatures on the modification. XXXX XXXX also admitted to the forgery in a court declaration. The XXXX XXXX District Attorney 's office has filed criminal charges against XXXX XXXX and they are currently in the pre-trial stage ( DA Case # XXXX ). OCWEN is now offering to re-modify the loan again probably at the request of XXXX XXXX. I DO NOT CONSENT TO A MODIFICATION WITH MY NAME ON IT. In our divorce decree, XXXX XXXX is required to REFINANCE the property ; therefore removing my name from the loan. XXXX XXXX is a Sergeant for the XXXX XXXX XXXX XXXX XXXX Department, he committed fraud and should not be allowed to remodify the loan. OCWEN should not allow this modification or offer it based on the fraud that was committed.
Consumer complaint received 2021-07-05
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: Experian Information Solutions Inc. (TX)

I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXXXXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

XXXX XXXX
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: River Ridge Financial Solutions, LLC (IA)

On XX/XX/2018 parents received a phone stated that there was a legal matter that needed to be discussed with me. My father took the number down and relayed the information on to me. I called the number. Got sent to a voicemail that didnt even state the businesses name. Did not leave a message a few minutes later I received a call back. I spoke with a XXXX XXXX. She varified the last 4 digits of my social. She was very aggressive, stated I owed {$900.00} on an old credit card debt of mine. Stated that she could offer a one time settlement offer of {$220.00}. I requested a legal notification letter be sent to me via mail ( knowing that legally they have to comply if theyre legitimate ). She argued with me stating that they arent a collection agency they are a mediation company that owns the debt. After a heated discussion and speaking over each other a women by the name of XXXX XXXX got on the phone and said she would email me a letter of debt owed and an agreement I needed to electronically sign and reply to. I received the email a half hour later. This is the first time I found out the companies name as I couldnt understand what they called it before. The number showed up as a FL number on my called ID yet the business shows its in GA. My  last name was spelled wrong. It said I owed {$900.00}, but now the settlement had changed to {$320.00}. It all seemed very fishy. I blocked the numbers and reported the email as spam. I also checked my credit report and am working with correct agency to get my old debt resolved. 

The phone number they left and called me on was XXXX.
Consumer complaint received 2021-04-22
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: AFNI INC. (FL)

I have a {$140.00} debt being reported by XXXX XXXX XXXX now the collection company XXXX XXXX On my credit report that is incorrect. The overdue balance is for XXXX and I have not had an XXXX  account or phone for at least 8-10 years. The account, I assume, belong to my now deceased husband from whom I was separated from XXXX forward. I had notified XXXX XXXX XXXX back 8 to 10 years ago on a few different instances that I no longer had a phone number associated with them or a phone and to remove me from the account and they told me each instance that they would. Since his death Ive been harassed by XXXX calls On numerous occasions, too numerous to list and I have explained the situation each time to no avail. I also contacted XXXX XXXX XXXX and was told that I would need to speak to the collection company. I disputed the charge on my credit report and the XXXX XXXX investigation found the information to be accurate thus it was not removed.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX I co-signed a lease agreement for XXXX XXXX ( my son ) and XXXX XXXX XXXX friend of son ) for an apartment at XXXX on XXXX managed by XXXX XXXX XXXX. The rental lease agreement ran from XX/XX/XXXX through XX/XX/XXXX. 
On or about XX/XX/XXXX the move out paperwork was signed, keys were returned and all parties vacated the property. I have not received any form of communication from XXXX on XXXX or XXXX Communities XXXX since. 

On the evening of XX/XX/XXXX I checked my credit report on WellsFargo.com and discovered that XXXX on XXXX had reported a debt to National Credit System and that National Credit System had reported a collection to the credit reporting listing XXXX on XXXX as the original creditor. 

The next morning XX/XX/XXXX I went to XXXX on XXXX to inquire about the collection and I was told that I owe {$150.00} for carpets replaced in XX/XX/XXXX. I provided the onsite property manager XXXX XXXX with a cashiers check for {$150.00} later that day. She gave me a receipt and admitted that she did not attempt to notify me of this debt because she did not have a forwarding address. I was a co-signer. I did not ever reside at the property. However, I provided XXXX on XXXX my home address, cell phone and email in my co-signer lease application. XXXX verified that the cashiers check was cashed on XX/XX/XXXX. 

I disputed the collection with XXXX, XXXX and XXXX. XXXX deleted the collection from my credit history. XXXX and XXXX verified that National Credit System reported the collection and closed the dispute without taking any action. 

On XX/XX/XXXX at XXXX I spoke with XXXX XXXX at National Credit System . I explained that I had not been contacted by either XXXX on XXXX, First Communities or National Credit System about the debt. XXXX XXXX stated that National Credit System sends notifications by mail but they were not able to obtain my home address from XXXX on XXXX. National Credit System notified the credit reporting companies without attempting to contact me, or providing me with a validation notice. 

I informed her that the debt was paid to the original creditor on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. She stated that she would verify that the debt has been paid, and once confirmed, she would notify the credit reporting companies that the debt has been paid. I asked that she also request that the credit reporting companies delete the collection from my credit history because I was not notified of this debt. She said she was not able to do that.
Consumer complaint received 2018-06-07
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: Skagit Bonded Collectors, LLC (WA)

I noticed I have an account being reported on all three of my credit reports. I have requested this company, skagit bonded, to validate this debt. Instead I received interesting responses, and they failed to validate this debt. What they're doing is illegal, and per my attorney 's instructions I have first reporting to the CFPB and the attorney general. I also would like to request this companies Washington state representative so I can take them to court if they still refuse to abide by federal law. Attached is my correspondence with this company. Thank you!
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX purchased junk debts - Debts were discharged in Bankruptcy 2011 They have reached Accounts - Changed dates Inflated amounts They refuse to correct
Consumer complaint received 2022-12-14
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The 3 credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be deleted immediately. 

XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2017-11-29
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. (GA)

I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.
Consumer complaint received 2021-07-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I set my ace cash express account to automatic payments only to find out for some reason my account was sent to collections without notice but should have been paid in full. Due to this, I needed credit today but was denied due to an account that should have been paid in full due to automatic payments.
Consumer complaint received 2017-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I have informed this company that I do not have any dealings with them. I need received notifications on this debt. I sent them my updated address and verified that they are not licensed to collect in my state. They have failed to stop collection activity and have not responded to my request.