davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was looking to rent an apartment, and I saw that a person published a lot about it and I never saw a comment that said scammer or something, there came a time when I could never find a place or I was never approved of being able to rent it that I decided to take a risk and trust that person on the internet. He asked me to deposit a certain amount ( XXXX $ ) to set aside the apartment because there were many other people wanting to set it aside anyway, I sent him the money and then when he arrived at the agreed time, we called him and he never responded, he blocked us from XXXX and the owner of the building told us that it was a scam.
Consumer complaint received 2020-08-23
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. (MA)

One of my XXXX XXXX Accounts is duplicated ( listed twice ) on my Equifax credit report. The address listed on my Equifax report is 5 years out of date. XXXX  and XXXX  both have correct information. All of my creditors have my correct current address and are reporting it correctly. The creditor of the duplicated account, XXXX XXXX XXXX, has confirmed that their reporting is correct and that Equifax has incorrectly listed the same identical account twice on their report. 

I have filed an online dispute and called Equifax Customer Service to follow up to no avail. Their customer service is awful. 

Equifax has requested twice, via unattended automated email, that I send them a copy of my driver 's license, my Social Security card or W-2, and a recent utility bill. 

I have no problem with the utility bill, and have faxed them same, but there is no way in XXXX I am going to send my license and Social Security number through the USPS.They claim the be very interested in protecting my personal information. Really? Obviously not! 

I understand they are trying to 'verify ' my identity - sounds reasonable - but sending sensitive documents through the mail is not the way to do so, nor should it matter in this case. I obviously have access to the report in question ( and yes, it's mine ), and the errors I have noted on the report are easily verified as ERRORS! They should be corrected. Period. Full Stop. 

I DO NOT TRUST Equifax with my personal information. They already leaked it to XXXX hackers. As far as I'm concerned they should have been forced to pay far more than they did in the breach settlement. They got off way too easy and it shows. 

I want a human being with authorization to do something about this to contact me. 
My existing Equifax dispute numbers are : XXXX and XXXX
Consumer complaint received 2021-03-25
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: LEXISNEXIS (FL)

on XXXX i sent a letter to LEXISNEXIS concerning a bankruptcy thats inaccurate. I challenge the validity of the account # XXXX. They failed to respond to me and its been over 45 days. This is a violation to my consumer rights. Whats the method of verification when when the courts do not provide documentation or verify with me. 
I am requesting the removal of this bankruptcy chapter XXXX # XXXX. Please delete at once.
Consumer complaint received 2017-10-16
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: EQUIFAX, INC. (TX)

In mid XXXX 2017, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Consumer complaint received 2020-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from TransUnion & XXXX. Since these are hard pulls, they negatively impact my credit score. 

In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, TransUnion has not corrected this hard credit pull.
Consumer complaint received 2018-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

The Servicer, Ocwen, had initially entertained the idea that a short sale could be done on the property. The homeowner is deceased and his wife who is NOT on the loan was the only person that could sign off on the paperwork. Ocwen however, took the short sale review all the way until the very end when we were told that the homeowner 's wife now has to file a probate case in order to be appointed the homeowner 's representative so she can sign off on any paperwork related to the Short Sale Approval ( despite the file NOT being approved just yet ). This was about XX/XX/2018. For the entirety of the time that the file was going through probate, the Escalation Department at Ocwen was fully aware that the homeowner was trying to get this probate case finalized but they started the foreclosure activity on XX/XX/2018 despite awaiting probate decision and set the date for XX/XX/18. We were able to get the date postponed to another 30 days after much resistance from Ocwen ( they let us know there was " nothing '' they could do because the Probate case was not finalized and they needed the probate paperwork in order to review the file fully for a short sale approval ). We had to get assistance from the Foreclosure attorney as well as filing a previous CFPB Complaint on XX/XX/18. As soon as the foreclosure was postponed, I contacted the short sale department and Escalation department at Ocwen to see what other documents they needed in order for the short sale review to be completed. After a whole week of no contact from the short sale negotiator or the Escalations department, I was told by XXXX XXXX from the Escalations department that the file now had to be reviewed for a loan modification. This is concerning because when the loan was taken out by the Homeowner who is now deceased, his wife did not go through the loan qualifications so to have her go through the qualifications now when Ocwen fully is aware that the wife is Unemployed and is only receiving a Pension from her husband 's death. She no longer lives in the house either and when we mentioned all these to the Escalation Department, we were told there was nothing they could do but get the loan reviewed for a loan modification since this was their rule. This rule by the way, was NEVER informed to us. Everyone who we were in contact with at Ocwen always pointed out that they needed the probate documents before they could review the short sale completely and there was never any discussion abt the possibility of a loan modification review being Mandatory. This seems to be a way to waste her time since the review for loan modification does take at least 30 days and the foreclosure date is 16 days away. We escalated everything for paperwork that we could control and Ocwen unfortunately has stalled the short sale review once again.
Consumer complaint received 2024-02-29
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. (NC)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX  THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX Please Update all payment, all pay was made on time.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

I purchased 3 items on XXXX, using XXXX XXXX XXXX on XX/XX/2017. Within the return period I came back to the store and wanted to return the items and get a refund. The associate took all three items from me. However only two items were refunded back to my XXXX XXXX XXXX. The third item was not refunded as I found out later checking my account. Moreover the item appeared as " no receipt '' item and thus was supposed to be refunded by XXXX 's gift card. But the associate did not tell me anything and did not give me any gift card. They basically took those money ( {$43.00} ) from me. I tried to resolved that with the store manager and wrote a clam to XXXX 's headquarters office but received no response.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is XXXX
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

After dealing with this issue for 3 weeks, I am disappointed to find out from phone conversation with Ms. XXXX ( from WellsFargo ) today, that the investor does not allow me to apply my {$7100.00} deferred balance payment into my deferred balance. 
1. This is not consistent with the letter you sent on XX/XX/2020 2. This is not consistent on your recording line when I paid on the phone that you assured me the {$7100.00} will be applied into the deferred balance 4. There is no such correspondence for you regarding the investor has the power to not say " NO '' to the payment to be applied into the deferred balance 5. THis is against the XXXX  and XXXX  regulation 6. You prevent me from refinancing my mortgage as all lenders will need this to be taken care of before starting the refinancing process. 

Can you please help! 
XXXX XXXX XXXX Cell # XXXX
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are many mistakes in my report, Unverified Accounts :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX    Account #  XXXX   XXXX /  XXXX   XXXX    XXXX /  XXXX    Account #   XXXX     XXXX   XXXX   Account #   XXXX     XXXX /  XXXX   XXXX   Account #   XXXX    XXXX /  XXXX    Account #   XXXX    XXXX / XXXX  Account #   XXXX     XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX   XXXX / XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX    Account #  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX  Beside that, I have never paid late this account  XXXX   XXXX   XXXX   Account #  XXXX
Consumer complaint received 2018-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (WA)

I received an offer letter stating that I was pre-selected for a personal loan ranging " from {$3500.00} to {$40000.00} '' and provided me with a special code to use to accept the loan offer. Then, when attempting to " accept '' the loan on their special website, timely submitted before the deadline, they denied my " acceptance '', even though " pre-selected '' and even though my credit scores were all higher with all three bureaus than on the day I received their offer letter. They even stated in response that my offer had " expired, '' even though I provided my offer acceptance code online to them before the deadline. This appears to have just been a scam to entice people to submit loan applications they otherwise would not have.
Consumer complaint received 2016-07-13
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!
Consumer complaint received 2022-09-14
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. (GA)

After several attempts to get Equifax to correctly report my credit report they have refused. I have sent in verification letter documents and filled disputes both online and speaking to a representative. I have been trying to get Equifax to correct my name, inquiries ( which my file is frozen with them ) fictitious accounts they are reporting as verified. These accounts nor inquiries can not be verified because I gave no permission at all for these. XXXX and XXXX have corrected their incorrect information but not Equifax.
Consumer complaint received 2022-09-14
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: CNG FINANCIAL CORPORATION (CA)

I sent a dispute on XXXX XXXX about a debt that was paid in full on XX/XX/2022. It was a debt for a check loan place called Check n Go and the amount was for {$310.00}. I paid it in full. It still is showing up on my credit report. I put in a dispute and they still have not made the adjustment to my credit score. Says it's been reviewed, but they are not making a change to it. I have the proof that it has been paid off, but I'm not getting any help with getting it off my credit or to at least show that it's been paid in full.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NJ)

I graduated from XXXX XXXX in XXXX, and my loans entered into repayment in XXXX. The loans at issue are through Discover Student Loans. I initially set my loans on a ten-year repayment plan and my monthly payments were approximately {$650.00} / month. In XX/XX/XXXX, i was switching jobs and wanted to set my loans to a 20 year term ( i.e. so they would be paid off in XXXX ). Discover adjusted my payments, and my payments went down to {$220.00} / month. I made the same {$220.00} payments for five years until in XX/XX/XXXX, when Discover unilaterally increased my payment amount to {$2600.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted Discover, they said that the only documentation they had was that my loans were on a 10 year term, and therefore they increased my monthly payments to {$2600.00}. However, Discover is ignoring that my statements and payments for the past 5 years reflected a 20 year repayment schedule. I believe that Discover did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: STERLING JEWELERS, INC. (TX)

I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements.
Consumer complaint received 2022-09-14
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!