davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

i am 27 days behind on my mortgage because of trying to get clarity on what i owe so i called ocwen sunday and wednesday to find out what i owed.before i called i went on the internet and they said i owed XXXX dollars and on the automated call it said XXXX dollars.I called the relationship manager XXXX XXXX and he said that i owed XXXX dollars and i called relationship manager Somya XXXX and she told me at first XXXX and then XXXX.I asked for a breakdown from XXXX XXXX and was told that my basic mortgage was XXXX but i had late charges of XXXX and i had a suspense payment of XXXX XXXX cents which is called unapplied funds.I paid XXXX and a XXXX late charge.he told me that because i owe late charges my late charge doesnt count it goes to unapplied funds.he told me that not only do i owe late fees but i owe XXXX cents of miscellaneous charges in which he says could be anything from property inspections to whatever to certified mail in which i dont receive.I dont have to know that they are doing a property inspection they just drive by and then charge me.when i called last month the relationship manager told me to pay XXXX and late charges XXXX.I was told by XXXX and XXXX that if i dont pay the full bill it will get higher and higher.This is what they do adding on extra cost and extra charge until i be in foreclourse.NO CLARITY
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I placed a temporary credit freeze with experian to protect by identity. I have been attempting to unfreeze it using the Pin number experian originally provided when I place the freeze. However it does not work. I have been spending hours navigating the website and tried calling the number provided. There is no ability to speak with someone on the phone and the options to navigate through the website or phone options were not fruitful. In case I am using the wrong userID or password, I asked to have it reset but Experian then asks for my birthday and social security number to verify my identity. It says my social security number and birthday do not match ( which they do! ). 

The other two services- XXXX and XXXX took 30 seconds to unfreeze. I have been spending four hours to unfreeze Experian and I am not able to. 

Unfortunately I have not been unsuccessful and I was attempting to open a new store card to purchase merchandise to take advantage of sale offer and it has now expired because I could not get this temporary freeze lifted.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Several attempts were made and resolved regarding misspelled and incorrect LEGAL NAME INFORMATION on the EXPERIAN report. Despite repeatedly verifying my identity to EXPERIAN and continuing to submit requests for correction and IMMEDIATE REMOVAL OF ALL INCORRECT SPELLINGS OF MY NAME. After filing a complaint with CFPB on XX/XX/2022, EXPERIAN has since, reposted the incorrect information and continues suppressing my true credit score and history. More than 30 attempts have been made between XXXX XXXXTHROUGH XX/XX/2022 requesting resolution to no resolve.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

Hello, Ive been scammed by XXXX XXXX student living, they subleased room for me, but when I actually came to pick up my keys they didnt let me to move in even though I provided all required documents and brought guarantador with me. Management company never gave me keys and left me on the street and left this lease on my name for no reasons. Also there is no such a company XXXX anymore its been taken down for constant scams.
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax, a prominent credit reporting agency. 

On XX/XX/year> a Bankruptcy Removal Letter was Equifax informing the credit bureau of the unverified Bankruptcy on my credit profile.

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, Equifax has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Equifax is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that Equifax has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure XXXX compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
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. (TX)

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 account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-09-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting an original charge off amount of {$850.00} to all XXXX CRA 's. This was a secured card which I paid {$600.00} down. The limit was {$600.00}. The card was never over the limit and I paid {$250.00} which was considered payment in full of past due balance.
Consumer complaint received 2017-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Management Corporation of America (AR)

hello, XXXX have a debt collection of {$5.00} & {$11.00} on my credit report.which was in my bankruptcy discharge.i need this took off my credit report.you may need to contact .XXXX at XXXX. about this matter.R.M.C. is the collection agent who is handing the case.there p. # XXXX orXXXX.ask for XXXX XXXX for XXXX.there p # XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act, Experian, XXXX, XXXX, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 
According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXXXXXX XXXX, RI XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXXXXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX, 2016 XXXX/XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, Florida XXXX We are filing this complaint against Wells Fargo Home Mortgage and ask that you assist us in resolving this matter - We began good-faith negotiatings on an Assumption Modification with Wells Fargo on XXXX XXXX. From the very beginning of this process, Wells Fargo has been a combatitive, unresponsive and misleading. 

After the initial conversation with them, Wells Fargo requested standard modification documentation, which was faxed to them on XXXX XXXX. We communicated with them on XXXX XXXX, XXXX XXXX, XXXX and the XXXX - each time we were told that no documentation had been received. 

For one month we tried communicating with them and received no response, but on XXXX XXXX we spoke with an individual there, who once again told us that still no documents had been received. We re-faxed everything to them XXXX XXXX and on XXXX XXXX, we spoke with another individual who confirmed that the file was in fact RE-ENTERED FOR REVIEW. At that time we requested that the file be escalated and a request for postponement of the XXXX XXXX sale date be made. 

After speaking with Wells Fargo this morning, we were told that our request has been denied, once again - due to insufficient documentation. 

We are well aware of the fact that Wells Fargo has a long and storied history, using this technique to deny homeowners relief and we are requesting that you step in and - have the XXXX XXXX sale date postponed for us ensure that Wells Fargo gives us a fair and proper review for this assumption modification. All documentation has been attached to this complaint. 

Thank you very much for your assistance with this!
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL. 

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES.

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (AL)

I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to aquire credit which means its stopping me for buying a home this matter has been stressful and depressing I am now homeless and need these inquires off my credit report Inquiries : 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 2015-09-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

On XXXX XXXX attempted a payment for private loans with Navient account # XXXX. My online account showed a fee of {$14.00}. My account was current due to IBR and on-payments. My total amount due according to the system was to be {$530.00} with their Quick Pay system. My card was charged {$14.00} and {$330.00}. The rest of the payment was unprocessed without confirmation. I contacted customer service and Agent # XXXX confirmed that {$14.00} was a for a late fee which was to be applied to interest on my federal loan. My federal loan is on a $ XXXX and the rep said I did not owe this, yet I have been charged. I called again today and logged into their system and the account is showing that {$480.00} is owed. Which is incorrect. The system declared an amount owed for XXXX XXXX loan was {$150.00}, Agent XXXX 's system said {$140.00} was owed and processed that amount. Why is Navient continually showing late fees that are n't on a borrower 's account with an autopay system that just collects this. Even when I have tried to keep my payments current the system is overcharging and so is Navient. This system is designed to keep people in debt! This is outrageous! My student loans combined are more than XXXX of my income. I can barely make ends meet! Also it seems the only way I can get them to do anything right is via phone with payment by credit card and now they are charging {$15.00} to process this way and this is the first time they have disclosed that fee. When they overdrew my account before at no time was there every acknowledgement of any fees charged! Why is my statement showing more than what I owe? Are they arbitrarily adding money to my loans? My balance is $ 107+! Please advise.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am writing to bring to your attention a matter of significant concern regarding fraudulent account reporting on my credit report. As per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to accurate and up-to-date information in my credit report, and I believe that this fundamental right has been compromised due to fraudulent activity.

Upon reviewing my credit report, I discovered an account that I did not authorize or open. The account in question appears to be associated with [ Name of Creditor/Lender ], and the reported balance and payment history do not align with any accounts that I have opened or used.

I must emphasize that I have not initiated any transactions with [ Name of Creditor/Lender ], nor have I provided consent for the opening of such an account. Therefore, I firmly believe that this account is a result of identity theft or fraudulent activity.

In accordance with 15 U.S. Code 1681q, it is unlawful to obtain consumer reports under false pretenses or without a permissible purpose. Given the circumstances, I urge you to investigate this matter promptly and take appropriate action to rectify the fraudulent account reporting on my credit report.

I kindly request that you : Conduct a thorough investigation into the origin of the fraudulent account and the circumstances surrounding its inclusion in my credit report. 
Remove the fraudulent account from my credit report immediately to prevent further damage to my creditworthiness. 
Provide me with written confirmation of the actions taken to address this issue and any relevant updates regarding the investigation.
Consumer complaint received 2021-02-26
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. (TX)

The collection account XXXX XXXX XXXX is not mine. This account does not to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by First California Mortgage Company ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, First California Mortgage Company allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving 15 % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put 10 % down payment. I called to tell I wanted to give 15 % down and I was convinced by the broker to leave it at 10 % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by First California Mortgage Company? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think First California Mortgage Company only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with 10 % down and convinced me to leave it like that. I am sure there is more victims like me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 - Fraud alert received on Cell and Email about charges from Company called XXXX XXXX  XX/XX/2020 - Immediately Called Customer service. Reported that Card is with me and the charges are fraudulent. Cancelled the card and asked for a new one. 

XX/XX/2020 - Received Capital One letter that investigation is started over my dispute and confirming new card issued. There were 9 charges on the same date ( XX/XX/2020 ) totalling XXXX. 
Pl see Attachment1 # XXXX XX/XX/2020 Received letter from Capital One saying there is no fraud. {$1000.00} was charged to my card. ( Attachment1 # 2 XXXXXX/XX/XXXX Immediately called and talked to a Manager. Asked to see how far apart these 9 transactions were charged on XX/XX/2020. Protested that these were not made by my card. But was refused. 

XX/XX/2020 Letter in Attachment # 2_1 sent to XXXX, President, Financial Services XX/XX/2020 Received Attachment1 # 3 from XXXX XXXX on behalf of Capital One saying there is no fraud. 

XX/XX/2020 Seeing Capital One will not admit these transactions as fraud, decided to complain to CFPB.