davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unfortunately, for me I had a {$12.00} balance to which I was unaware of with XXXX. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least XXXX different times to get it to go through. I finally said just forget it I need to go XXXX pay for my purchase. She asks for XXXX more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from XXXX thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from XXXX and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe XXXX could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX, SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS  : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX SC XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX GXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : CUSTOMER XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ADDRESSES : XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NJ)

I originally filed a Complaint with the Office of the Comptroller of the Currency ( OCC ) regarding XXXX XXXX XXXX XXXX and acquisition of all trust servicing business from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX  XXXX, XXXX. XXXX  can no longer be contacted. XXXX XXXX XXXX has no contact information. As successor trustee to prior Residential Mortgage Backed Securities ( RMBS ) trusts, contact information for legal holder trustee under the Real Estate Settlement Procedures Act ( RESPA ) must be provided. XXXX Mortgage originally identified the " owner of the account '' as XXXX XXXX XXXX XXXX ( Trust ) Services at XXXX XXXX XXXX XXXX, Maryland. They can no longer be contacted and no forwarding address for successor trustee ( Computershare ) has been provided.or can be found by the CFPB. Qualified Written Request ( QWR ) under RESPA was requested for new contact information in XX/XX/XXXX- with no response from XXXX Mortgage.. The OCC referred the complaint to the CFPB - who could not locate any contact information for XXXX and forwarded the complaint back to the OCC on XX/XX/XXXX. The CFPB has not yet received the forwarded complaint back to them, and requested that I file a new complaint. Apparently, there is dispute as to regulatory compliance regarding XXXX licensing and servicer who claim to act for trustee to XXXX. Successor trustees must be disclosed, but the OCC did not have regulatory compliance in place when XXXX was licensed to acquire XXXX. Thus, bouncing back and forth between agencies has occurred. The OCC claims they have forwarded the complaint ( again ) back to the CFPB - but the CFPB claims to have no record of that. Thus, a new complaint is hereby filed.
Consumer complaint received 2022-07-01
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. (NY)

Cc : Consumer Financial Protection Bureau https : //www.consumerfinance.gov/complaint/ CC : Federal Trade Commission https : //reportfraud.ftc.gov/ # / CC : Office of the Comptroller of the Currency https : //appsec.helpwithmybank.gov/olcc_form/ CC : New York Attorney General Office https : //ag.ny.gov/complaint-forms I agent XXXX XXXX XXXX XXXX to the principal, XXXX XXXX, sent you a letter : document dated XX/XX/2022 to remove charge offs for accounts listed below : XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You, credit reporting agency, sent a response saying that the accounts were verified XXXX 

Pursuant to 15 USC 1681 ( i ) I agent, XXXX : XXXX, am expressing my consumer rights by demanding a description of the procedure of reinvestigation. In addition, I demand the answers the following questions : What was your method of verification? 
Who did you interview ( neighbor, family members and/or etc ) and what is the contact information ( phone number, email and/or etc ) and what was the interview date? 

Pursuant to 15 USC 1681, you have 15 days upon letter received to provide the demands stated above.

With Regards, Shaniqua-Ayesha : Rogers/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (NC)

I have tried numerous times to get a free annual credit report from Equifax and XXXX, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with Equifax with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to XXXX and Equifax, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at Equifax on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got XXXX   to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this XXXX XXXX resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.
Consumer complaint received 2022-07-01
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. (IL)

To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with XXXX XXXX  in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : 1. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX 2. A credit builder account XXXX XXXX date opened XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from XXXX  was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE
Consumer complaint received 2022-12-30
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, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX : # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX  XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX # XXXX, Unable to be verify inaccurately reported information. 
XXXX XXXX XXXX XXXX, Unable to be verify inaccurately reported information. 

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 2022-05-19
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. (OK)

According to the Fair Credit Reporting Act, Account Name : XXXX XXXX, with Account Number : XXXX has violated my rights in multiple ways! 

I've received a letter in the mail from them saying that they have verified my information, but it is COMPLETELY wrong according to my credit report. The FCRA : 15 U.S. Code 1681s2, states that A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681b States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have not given XXXX  XXXX written instructions to put this on my credit report, nor do I have a contract with XXXX XXXX ( which I've requested to see and have yet to get ) This is the same company XXXX XXXX XXXX ), that the CFPB filed a federal complaint against and WON! 

It is not fair that these people keep calling, harassing me and impacting my credit in a negative way with their false information. It is also illegal according to my lawyer, as well as the FCRA. 

XXXX has deleted this and I would like for Transunion and XXXX, to do the same due-diligence and delete this account.
Consumer complaint received 2020-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

According to CARES Act and following XX/XX/2020 - Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act, I have sent several letters to Freedom Mortgage via email AND Fax, requesting emergency forbearance, based on guides and rules within CARES Act. First letter was sent on XX/XX/2020, with 2 more requests. All of which have been ignored. No calls, no emails, no postal letters. All have been requested within guidelines and specifications, with referenced sections of CARES Act, within letters. 

I am within foreclosure, seeking gainful employment. I had a HUGE hit to my income, and while yes, in default, there is no reason for me to be ignored. When calling Freedom Mortgage, I have been on hold up to 2 hours or call backs, within 4 hours. While I understand the staffing challenges, this is unacceptable and adding to the stress of potentially losing my home. Unable to focus on daughters XXXX XXXX, due to this and can not get any contact with Freedom Mortgage. 

I am submitting complaint, as I believe they are stalling, so as to not have to apply the CARES Act Forbearance, due to time constraints. 

I am asking for Freedom Mortgage to finally acknowledge my attempts since XX/XX/2020, for Forbearance and to apply the 180 days, with acknowledgement that I can and required for additional 180 days, should that be needed. In short, the latest request was sent AND received by their email server and fax, on XX/XX/2020. Freedom is required to provide acknowledgement letter VIA EMAIL ONLY ( due to time constraints ) and provide immediate solution via forbearance and documentation. 

While I sympathize with current climate, staffing issues and volume to calls and requests, the fact that I received NOTHING from them since XX/XX/2020 is unacceptable and punitive. They are stalling, possibly awaiting the expiration date for the CARES Act or some other date. CFPB is to note all and instruct Freedom Mortgage to forward forbearance agreement and documentation Immediately, VIA EMAIL ONLY OR VIA OVERNIGHT CARRIER, for receipt to me no later than XX/XX/2020. Thank you..
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing 2 accounts from XXXX XXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that XXXX XXXX  manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience credit report.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to Portfolio Recovery. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( XXXX XXXX XXXX ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, Portfolio Recovery and XXXX XXXX also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now Portfolio Recovery is demanding the balance of the debt.