davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

Debt collection agency or servicer keeps on calling about a debt owed to them since XXXX, I have requested them to provide proof ie invoice for the product or service provided in my name by their customer or original creditor.none provided. They are also checking my credit report on purpose every year inappropriately and without any proper authorization.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (AZ)

In XXXX XXXX I was a victim of Identity theft. I saw on my credit report that the perpetrator opened a XXXX XXXX account under my SSC information on XX/XX/XXXX. I filed a FTC Identity theft report and sent it along with a letter to XXXX XXXX requesting they close the fraudulent account immediately. I also followed up via 2 phone calls directly to XXXX XXXX. My complaint was taken and I was told it would be sent to their fraud investigation dept. and I would be contacted. I was never contacted and I know the account is still open. In fact I received a letter on XX/XX/XXXX telling me to activate my new Debit Card. It is a fraudulent debit card!!!
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX issued by Comenity Bank I have been unable to access my Comenity account to make a payment for over a week through the phone app, Easy Pay or web browser. Received message that account could not be located online. Calls to the number listed on the card do not go through. Chat feature on Comenity/Bread Financial only offers generic information. 

There has been no email communication from Comenity about this outage. Social media posts from Comenity are not providing current or correct information.

Furthermore, customers have not been notified of the merger of Comenity and Bread Financial.
Consumer complaint received 2021-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Currently, I have an equity loan with PHH Mortgage XXXX XXXX ) against my property XXXX XXXX, XXXX VA. Since XX/XX/XXXX, I have been trying to pay-off this loan. The current balance is {$27000.00}. I was told that payoff could not be made until I have received an official payoff document. This document has consistently arrived after the due dates. 

I paid {$5000.00} in XX/XX/XXXXand submitted a check for the {$27000.00} ( it has not been processed ). To ensure that I was not charged for late fees ( after the XX/XX/XXXX), I paid the monthly payment of {$390.00}. 

I get the impression that there is an effort to discourage mortgage holders from paying off the loan. I have done everything possible to get this loan paid off.
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had XXXX  days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside XXXX  days of the completing of your reconsideration.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I originally asked Captial One to close my online XXXX checking account. However, they would not close my checking account due to overdraft protection being included in my Chapter XXXX Bankruptcy. Also, I requested my checking account not be included in my bankruptcy. This will be my second complaint to Capital One about closing my online XXXX checking account. The first response was no help whatsoever. I called both numbers on the letter that was mailed to me. On XX/XX/2021, I called the XXXX is no longer in service or a working number. Then on XX/XX/2021, I called XXXX, ext. XXXX to get a hold of XXXX with Capital One. However, the extension was no longer valid. The letter states that I owe a balance on my online XXXX checking account, but it does not state an amount and who and where to send a check or money order to. On XX/XX/2021, I called Capital One customer service and the customer care agent told me that she could not find a balance on my account and what Capital One is talking about. The customer care agent could not even pull up the letter. Also, I asked the customer care agent to close my online XXXX checking account, and the computer would not give her the option too. The customer care agent felt really bad because she could not help me or her supervisor.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint wrongly reported to the credit bureaus that I have missed payments since XXXX and impacting my credit score by 187 points, even though my accounts are current. 

I first contacted the company repeatedly and my request was ignored. Then I mentioned about the CFPB and they then said they are looking at the error but did not provide any tangible update on the repair date. 

As of right now, my score plunged and it prevents me to refinance 12 loans even though rates are historically low. 

Loans : XXXX and XXXX
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

XX/XX/2022 I mad a ATM deposit on a check for XXXX XXXX at US BANK in XXXX Az. The bank only made XXXX of it available to me. I took out XXXX which caused a overdraft of XXXX I also had enough money to cover the additional XXXX with the XXXX? The check is being held until the XXXX of XXXX and will be available on the XXXX. I have received no letter thru email or postal mail telling explaining as to why this is occurring. I have spoken to US BANK ON SEVERAL OCCASSIONS SEVEAL TIMES A DAY THIS LAST WEEK XX/XX/XXXX AND THIS WEEK XX/XX/XXXX. I have also requested in person on the phone and in writing to CLOSE MY ACCOUNT. THE US BANK REFUSES TO CLOSE IT DUE TO A NEGATIVE BALANCE BUT I HAVE A POSITIVE BALANCE THEY WONT RELEASE.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

I just read your article and not sure if you can help me. My home is in foreclosure ( Mortgage company is Ocwen, XXXX ). The sheriff sale is set for XX/XX/XXXX, I have a buyer and set to close on XX/XX/XXXX, but not sure if thats going to happen. Ocwen - XXXX has the contract on the house. Here is the kicker in XX/XX/XXXX I applied for a modification in XX/XX/XXXX I was told I got the modification and they would send out a package for me to sign and notarized which I did and sent it back express mail. I then received another package telling me the 1st one was wrong and they were sending me a new package to sign and send back which I did. Received a third package to sign and notarized, because they screwed up again which i did. About a month later we're talking XXXX I received a phone call stating my modification was turned down because i was late in getting the paperwork back which i told them no way. So about 3 weeks after that l get a phone telling me the modification was accepted which it was and XXXX was knocked off my loan which I wouldnt have to pay back which appeared in XX/XX/XXXX. Fast forward to XX/XX/XXXX still trying to get my life ontrack I was told to apply for another modification which I did probably XX/XX/XXXX. XX/XX/XXXX I was rejected telling me it hasnt been 2 years and I cant reapply. So I put my house up for sale its in contract and now the title company tells me theres a XXXX mortgage from XX/XX/XXXX and i said it must be my modification, but that was XX/XX/XXXX and I was told no XX/XX/XXXX. I call XXXX and told them which the girl XXXX said OMG Ocwen XXXX up another account she had me on the phone investigating and finally got back with me and said its going to take longer and she will get back with me which i never heard from her. My thing is why did hud put a lien on my house in XX/XX/XXXX, but it didn't show up in my account until XX/XX/XXXX So now I might be homeless because of ocwen saying it was 2 years before i got the last modification which i find out is wrong now. So just what the XXXX is going on XXXX keeps telling me they don't want me to leave. 


XX/XX/XXXX - The day I filed a complaint with the Attorney General office in Ohio and talk to the Consumer Finance Protection Dept I did call Ocwen-XXXX   and the first thing they told me I had a loan with them and with HUD and did I need Huds number which I didn't. I found this very odd thats the first time they ever told me about my Hud loan. Really odd since the week before I was told by XXXX at XXXX " OMG Ocwen XXXX up another they've done that to other loans ''. XXXX did tell me she would get back with me and that never happened. All I want is to push the sherriff sale back a month so I can close on the loan and everyone gets there money including hud. The man I talked to at Ocwen- XXXX   told me he doesn't see why Ocwen-XXXX wouldn't, but still they haven't changed the date. 

Thank you XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio. XXXX Phone XXXX
Consumer complaint received 2019-10-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Company name : Specialized Loan Servicing Company website : sls.net After receiving the payoff quote for my mortgage, I was charged {$25.00} per attempt for the payoff quote. I had to try a few times because the website was not working properly in one instance, and in another, I had to request a new payoff quote due to time elapsing.

It was not disclosed that I would be charged for the payoff quotes anywhere on the website that I found. There is a screen with checkboxes on it for verification for the terms of the payoff quote, and no charge was disclosed there. The FAQ section of the website also has no mention of a charge for a payoff quote. 

I discussed with a few operators and no one could definitely tell me they would add the disclosure. 

Attached is a screenshot of the website.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-19
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. (NC)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2021-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (LA)

I decided to Settle out with this company of {$310.00} with to promising that theyll change or delete it off my credit. It has not been done, and some agents been catching an attitude as well. Not only that, they have a past due left on my account which should not be owed at all.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I had a student loan with XXXX ( XXXX XXXX University ) that was in collections but recently paid in full but Experian credit bureau is giving me the run around about updating the status to paid in full. They asked me to upload the paid in full letter to their website but their upload website have not been working. The contact person at XXXX even mailed them the PIF letter and they are still giving me a hard time. I even called on several times and gets no help. I am fed up with the situation because I've done everything asked of me but still they are not reporting the correct information. this is hindering me from getting my family into a better living situation. Attached is a copy of the paid in full letter from the contact person at XXXX.
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have made four additional payments over the last four months on my student loans. This is in addition to my regular scheduled auto-payments that debit from my checking account every month. After I made the first additional payment I received an email stating that my next auto-payment due date was moved even though I indicated on the website that this was meant to be an additional payment towards the principal of the loan. I then called Navient and they stated that I would need to call them every time I make an additional payment to make sure that my regular auto-payment would stay on schedule and that my additional payment would go towards the principal. I have called with all four payments, but when I look at my payment history online I can see that interest is being taken from my additional payments, so I'm not sure what is going on. Navient has taken advantage of me in the past, so I want to be sure that my interest is being calculated appropriately. No one should have to call every month to ensure their payments are applied correctly. Doing things over the phone is how Navient took advantage of me in the past since I had no proof of our conversations.
Consumer complaint received 2021-08-27
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXWAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I logged on to my bjs perks mastercard that is serviced through comenity bank/bread financial on XX/XX/25 to check on a credit that should been issued. I could not log on and the message said the site was undergoing planned service. I tried the following day and everyday since to log on without success. The company is unavailable by phone to answer questions. My payment due date is XX/XX/XXXX and I was finally able to use the easy pay function however I have not seen that the payment was processed through my Credit Union. This is my primary card so I carry a sizable balance that I pay off in full by due date. I am concerned that my credit score will be affected and that I might be charged interest because the due date passes without my payment processing. The site remains down and the phone line has a recorded message that simply repeats the outage and that they are working on it, call back later, then it disconnects. This is a very worrisome sign. I am also concerned about my personal information being secure with a company that is this dysfunctional.
Consumer complaint received 2022-06-29
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. (GA)

The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (PA)

On XX/XX/2023, I spoke with 'XXXX XXXX regarding an issue surrounding a claim. I reported that I believe that I do not owe this debt. The agent ( XXXX XXXX asked why. I gave her my reason. She become agitated and stated that on XX/XX/2023, the debt would be reported to a credit agency and 'affect ' my credit. I asked why their company notified of this claimed debt on XX/XX/2023 and only gave me 38 days to pay and then report it to the credit agency. XXXX claimed that their company only gives debtors '60 days from the time collections receives the claim. Not when the debtor is notified '. I stated that this seems misleading and is directly going to harm my credit score. I asked for an extension, as this was the first time I was made aware of any claims/debt. It is also unclear as to whether I actually owe this debt. I may file separate complaints in regards to a incorrect amount and the face that I may not owe this deb at all. This complaint is in regards to their credit reporting practices; claiming that they give debtors 60 days to pay and then reporting them to credit agencies 38 days after notifying them.
Consumer complaint received 2020-07-05
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. (AZ)

Hi I am filling this complaint against Experian because they are in constant violation Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

I have asked them two times to verify a XXXX account. They said they verfied this account accordingly. But I argue XXXX said they don't have this account and was sold to a collection agency as you can see with the letter I have attached. 


Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.