davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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. (MN)

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of.
Consumer complaint received 2021-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

The Owners/Parents both XXXX XXXX within the last year. Probate court just finalized and the children are now the new owners ( XXXX kids, 25 % each ) OCWEN will not allow any of them to discuss the matter of the property because the now XXXX parents did NOT give them proper authorization. The sale date is today X/XX/217 at XXXX. Ocwen will NOT allow probate paperwork to be provided. 

Owen is working in poor faith to resolve this matter. They are requesting 3 Business days to review documents, but they are trying to foreclose within the hour.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

a. Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. 

b. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond. 

c. Portfolio Recovery Assoc FALSELY is listing on my XXXX report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them.
Consumer complaint received 2017-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

My Mortgage was sold twice in 1 month. It was first sold to RoundPoint acct. # XXXX and secondly to XXXX XXXX acct. # XXXX. Both expected payment on XX/XX/XXXX. 

Payment was mailed on XX/XX/XXXX for due date XX/XX/XXXX to Roundpoint as required and in compliance with my resposnibilities as a mortgagee. This check was cashed. 

XXXX began collection efforts on XX/XX/XXXX, see Consumer Financial Protection Bureau complaint # XXXX. 

RoundPoint has yet to forward the XX/XX/XXXX payment to XXXX. This is over 30 days. 

I am asking for confirmation that RoundPoint has made payment as required for the XX/XX/XXXX mortgage payment. Both companies are not entitled to the same payment. This is a problem between the two companies and not the consumer.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Experian not able to provide Credit Score report despite information flow from my bank to Experian since XXXX. 
Contacted Experian multiple times XXXX and told my bank XXXX XXXX XXXX XXXXXXXX XXXX is not sending Experian my XXXX information. 
XXXX XXXX  XXXX conducted investigation ( see attached letter ) and concluded ( XX/XX/XXXX ) the Experian system does not recognize my first name and hence do not generate my credit report. 
Dispute letter sent to Experian XX/XX/XXXX ( see attached ). 
Received a postcard from Experian acknowledging dispute letter receipt XX/XX/XXXX ( do not have the exact date ). 
Have not heard from Experian since. 
Called Experian XX/XX/XXXX and told that I do not exist in their system and hence can not file a dispute. 
Being deprived of my Experian credit report results in disadvantage in negotiating mortgage with banks and receiving services from companies that rely on Experian for credit score investigations.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Since XXXX of 2019 I have been disputing XXXX XXXX XXXX on my credit report. I have disputed this account with all three credit bureaus whom all responded to dispute as updated. However, after reading the FCRA I cant be dinged twice on an collections account. Just in XXXX 2020 XXXX reported that I was 120 days late with this account. The account was charged-off and is closed. I'm not sure a derogatory account is showing payment history/ Charged-off/ late payments. When I don't have a payment plan set-up with this company. This collections account reported late payments for all three bureaus in XXXX which impacted my score and report tremendously. I have disputed this with all three bureaus as stated for about 2 years and they keep saying verified. How can this be verified when the account is charged off/ closed?
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (DC)

I went to the Equifax site to see if my information was affected by their security breech. This would have been around XXXX XXXX. Their site said I was n't affected bu that I could still register for free credit monitoring. However, rather than do it automatically or allow me to do it manually right then, the website tells me to return to a site on the XXXX. ( I believe that if I did n't do it on the XXXX, I would have to start over. ) I returned on the XXXX and filled it out. Then I had to wait to get a verification email. On XXXX XXXX, I got that email. Not especially helpful is the fact that the email comes from an email domain that is trustedid.com ( via XXXX ) but it includes a link to a different domain, https : //trustedidpremier.com. I clink on the link in the email and it takes me to a page that always says " System Unavailable. We are unable to process your request at this time. Please try again soon. '' I tried multiple times over multiple days with no change. 

I then called the phone number in the email from the XXXX. The operator manually checked my credit to verify my identity -- but with questions that I 'm not going to have handy ( What was the amount of my car payment 7 years ago, etc. ). Having passed that check, I am now waiting 48 hours for yet another email and then I need to click on that email and then fill out more information. 

The point is quite simple : Either this system is incompetently designed -- or it is purposefully designed to make it almost impossible to successfully enroll in the Equifax credit monitoring program that results from their latest data breach. I have used a lot of websites and I ca n't recall anything as onerous and inefficient as this process. 

It is hard to believe that Equifax is not throwing up barriers to enrollment in this program. There is no way that the design of this enrollment is a good faith effort to help people ; quite the contrary it would seem. 

I 'm pasting in the content of the email as a reference : Your Activation Email is Here Dear { removed }, It is time to take the final steps in enrolling in your free product, TrustedID XXXX, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX { removed XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I purchased a preorder pair of headphone for {$140.00} from a company called XXXX on XX/XX/XXXX. In XX/XX/XXXX the company claimed to be finally shipping out the headphones. They were sent out to a person to review them on XXXX and they received a bad review. The very next day XXXX closed up shop leaving many customers without their preorder money and no head phones. I reached out to my bank Capital One to dispute the transaction and was told that is was past their 120 days to dispute. They told me I had to go about to XXXX and request a refund. I again went back to Capital One explaining that the company does not exist anymore so I can not contact them. I have tried four different times to have Capital One refund my {$140.00} but to no success.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (TX)

My XXXX card includes the benefit of up to {$100.00} reimbursement per year of incidental airline expenses. On XX/XX/XXXX I made two {$25.00} charges to the card for baggage fees. The {$50.00} has not been reimbursed, despite my repeated requests to the issuing bank and the concierge. The official card website ( XXXX XXXX XXXX ) states " Cardmembers should allow 2-4 weeks after the qualifying incidental air travel fee is charged to the Card account for statement credit ( s ) to be posted to the account ''. Obviously that time frame has long since passed.
Consumer complaint received 2024-02-27
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-04
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. (TX)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MD)

Discover Student Loans went through a system migration and it effectively removed auto-pay information for their customers ( me included ). I noticed, via my bank account, that the monthly ( scheduled for XXXX/XXXX ) deduction did not occur so I followed up via my Discover account. It showed me as 9-days delinquent ( as of XXXX/XXXX ). When I called to obtain additional information I was eventually told that they were having issues with some kind of " system migration '' that ended up removing auto-pay information for their customers. I asked if these circumstances were widely known to which I was told " the company is aware ''. Given these events, I was told I need to manually make the payment, then once my account is current, I could sign up for auto-pay at the time. I was told there was no way to retroactively post my payment and the 9-days delinquency ( or late payment ) will stay with my account, although there will be no reporting to credit bureaus. This seems to be a potentially large scale issue, with no communication to customers, that they are technically delinquent on payments ( the only way I came to find out about this issue was proactively checking my own bank account to see if the payment went through ).
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have contacted XXXX and they informed me as I had reported that this credit card was obtained fradulently and even though I have reported to credit bureaus and also asked XXXX to notify nothing has been done and it 's been on there for years. As for the Tax Leins ' the IRS figured those years of my taxes and they are the ones that obviously made the errors, but yet I am being financially punished.
Consumer complaint received 2019-03-04
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. (TX)

I have written numerous complaints, so that the court will be replete of the efforts I've made to fix this situation. Experian continues to report a fraudulent account despite the fact the other two credit reporting agencies have BLOCKED the account years ago. Experian originally did, for some 3/4 years and without notification unblocked the account. I have substantial proof they violated the law, I am at wits end with trying to remedy this issue. Additionally I've spent XXXX on attempting to fix it. I have receipts and am a member of a class action initiated with Experian and will recoup my Funds. This XXXX XXXX XXXX account is patently illegal and Experian had blocked it once and now for reasons they refuse to provide will not causing me irreparable harm.
Consumer complaint received 2017-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

we where in folcluser with wells fargo we reached an agreement through the court and a magestrate to do modification on our loan, and one of the document in our agreement was the bank will autodraft from our acct 2 times a month the payment of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX wich they never did i tried for the longuest time to get them to do it and they say yes its done and all was a lie so in XX/XX/XXXX we made a XXXX XXXX XXXX dollar. to wells fargo and 2 month later still no payment drafted so we made XXXX payment to cutch up and same in XX/XX/XXXX no payment so we had to pay over 4000 to cutch up and they allways lying to me about seting up the auto draft even with court order and 2 days ago they field for forclusor im trying to save my house and they trying to steal it they had no intention of fixing the problem i have over 300 thousand in equity in my house and they trying to steal it from me and my kids every time i talk to them i spend over 2 hours on the phone and cant get no where and i do feel they have a problem with me personaly coz i have an accent when i speak, i do feel they are discriminating against me and i been us citizen for over 30 years. i dont know what i can do i need help with these thieves. they have no respect for the law they act like they are above the law or the law does not apply to them please help me save my house.
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XXXX XXXX I sent {$400.00} through ZELLE. ( My financial institution is XXXX XXXX ). It was a scam with zelle recipient XXXX. name is XXXX XXXX. It was a down payment for a XXXX XXXX. I drove 3 1/2 hours to pick up the puppy & the house is vacant and no puppy! I notified XXXX  XXXX & they sent a letter to me that there's nothing they can do? XXXX XXXX did say they let Zelle know about this scam, but with everyone trusting Zelle ( I thought, ) because it's backed by our bank. The verbiage is not clear! I don't feel this is fair for anyone that works hard for every dollar & a law abiding citizen to trust a Zelle and XXXX XXXX together site to just let this happen and let the criminals get off like this & all I get is " we can't do anything. '' This is crazy! I really need my money returned. I need your help, please pass this to Zelle & XXXX XXXX.
Consumer complaint received 2017-09-28
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. (MD)

I disputed the accuracy of 4 public records listed on my credit report in XXXX 2017 with Transunion, XXXX, and XXXX. All 3 companies reported back to me that the information was verified and to check with the creditor reporting the items. I contacted the listed Courts for all 4 public records to get information about their verification process and they informed me that they do not and did not supply public record informaiton to credit bureaus and did not verify any information with any credit reporting companies. I then contacted all 3 credit bureaus again and requested the manner of verification, specifically asking for names and phone numbers of the individuals that verified the information. As well I informed them of the information that I received from the Courts. Transunion responded that the information was verified. XXXX responded that they received the information from a third party - XXXX XXXX. XXXX did not respond to my letter. 

Through these actions the 3 credit bureaus are committing fraud by reporting information that is not accurate. XXXX has admitted to it by saying that they received the information from XXXX XXXX. They have not updated by credit file to reflect that information. 

I have a right under the FCRA to have accurate information reported at all times and to have inaccurate information removed immediately. I am now going to file small claims actions.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ALLY FINANCIAL INC. (TX)

Ally bought XXXX credit cards and went from charging me 6.5 % to now 23.24 %. I've been consistent on my payments and this is triple the amount I was paying before. This is a ridiculous interest rate that won't ever allow me to pay off my credit card.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below
Consumer complaint received 2017-09-28
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IL)

I have already filed one official complaint through the state of IL Attorney General office regarding a student loan debt collection. They continue to call me at work on the business phone line. The line they call is a business only line. What must be done to stop them from harassing me at work? Can you direct me to a legal channel because filing complaints has not worked. This has been going on for over two years. The last call I received was from XXXX from Transworld Systems. The person calling was XXXX XXXX. The call was at XXXX. on XXXXXXX.