davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (IL)

I did not give the Creditor permission to inquire on my credit report. I have a active fraud alert on my personal credit report, due to my name ssn address phone number being leaked on the dark web. these are the following : XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX ONEMAIN Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Unions XX/XX/XXXX XXXX
Consumer complaint received 2020-11-12
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. (NV)

My backpack was stolen with my ID and social in my wallet inside it almost 10 years ago. I was contacted my a debt collector that I had no idea what they were talking about so I had my credit reports pulled from all three bureaus. After receiving the reports I seen a whole lot of accounts, names, addresses, and socials that I didn't authorize or know anything about. I immediately filed a police report and identity theft report as well as disputes with all three bureaus. They have not done anything about it and are holding me liable with no proof that I opened these accounts or haven't sent me what proof they may have because they are not mine.
Consumer complaint received 2024-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My XXXX payment is past due because the hours that I worked in the month of XXXX were decreased due to illness. I received a notification from XXXX credit monitoring services on XX/XX/year> that my Mortgage payoff amount was increased from {$19.00} to {$22.00} How can Select Portfolio Servicing justify increasing the payoff amount by {$2000.00} due to a late payments.I am aware that i will be charged a late fee when I submit my payment but those fees are usually around {$15.00} per late payment.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: John C. Compton PC (IA)

Received a letter from XXXX XXXX XXXX Attorney at Law XX/XX/XXXX demanding payment for debt within 10 days for debt that was already paid in full to Client XXXX XXXX. 

Responded by certified Mail XX/XX/XXXX Via United state postal service. certified mail XXXX XXXX XXXX XXXX XXXX Disputing the debt and requesting documents for all work, work orders, contracts, payments to be sent to me and validation of payments. I sent this within the 10 day and disputed owing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any remaining balance. I requested the work orders, payments, change orders or any correspondence to be sent to me. I asked for documentation that debt was owed since i had already paid in full. I Wrote them in the collection dispute letter for written verification. 

On XX/XX/XXXX XXXX XXXX XXXX Attorney at Law filed a false Lien on my property, There is no money owed, they have failed to provide documentation for all payments made, all contracts signed and documents requested. By Continuing to attempt to collect on this debt and filing false lien without providing the documentation Violated the Fair debt Collection Practices Act. We still have not received this documentation. Also the statement of Account verification was made up and not signed by contractor or business but in fact signed and executed by attorney and does not reflect a accurate account of debt because we have paid this to XXXX XXXX and XXXXXXXX XXXX XXXX 

On XX/XX/XXXX I send a 2nd request and demand for documentation of all Signed contracts, work orders, payments, Agreements and ledgers showing any work provided by company from XXXX to XXXX current. We sent this certified mail via United States Postal Service again Certified mail XXXX on XX/XX/XXXX I received a phone call from XXXX that threaten me and telling me he was going to mess my credit up and made some very nasty comments. He claims i owed debt i do not owe and that he was reporting to my credit today and refused to give me his name or company name so i could also file a credit dispute letter. He kept telling me how he was going to harm my credit and ended up hanging up on me i told him i disputed this and needed verification. i called back and they didn't didn't want to give me name or address to file a credit dispute and request but after XXXX  believe they are with XXXX. 

XX/XX/XXXX also sending Debt collection dispute letter Via email and certified mail
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

I attempted to make a transfer from my Chime account into my XXXX account in the amount of XXXX on XX/XX/2020. About a week later the transfer came back to Chime unpaid. XXXX said it was returned because they do not accept transfers from outside banks. Chime put my account on hold and asked for a copy of my ID, a recent XXXX statement and if possible a letter from XXXX explaining why the transfer was returned. I sent the all documentation several times but never heard anything back. I reached out to the via phone, and was told that my attachment on the email could not be opened. I resent them everything while I was still on the phone and was told my account would be reopened the next day when someone from their support team verified everything. My account was instead closed immediately and I was told I would not be receiving the money that was in the account back. There was about XXXX in the account. I have emailed them countless times. I have called countless times with the same answer everytime. That they can not talk to me about the closure of my account. I was doing nothing illegal I has just recieved my first unemployment payment on XX/XX/XXXX it was about {$6000.00} the other money in the account was from my income tax return. Money that ironically I had transfered from my XXXX account. I want my mobey back immediately.
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX I checked my credit reports and found two accounts shown that were placed in collections. Both accounts were listed by Radius Global Solutions, a debt collector located in Minnesota. Both accounts show the original creditor as XXXX XXXX XXXX XXXX. One account was for {$1500.00} and the second was for {$110.00}. I immediately filed a dispute at XXXX   and XXXX for these accounts as I never have received services from XXXX. XXXX investigated the accounts and removed them both from my report. XXXX   investigated but only removed the smaller account. I contacted Radius Global Solutions and advised them that there was an error and I never received service from XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX in the past at my address or was ever contacted by them. Also, I was never given any notice from Radius Global Solutions about the account they were trying to collect on. Radius never contacted me by mail or phone. My first knowledge of the account was on XX/XX/XXXX when I check my credit report and discovered it there in error. I also contacted XXXX and they did not have a record of a bill for me. They advised the date of service was XX/XX/XXXX at XXXX XXXX XXXX in XXXX TX. I contacted XXXX XXXX XXXX hospital and gave them the service date and my name and they did not any record showing that I came to the hospital. I have never been to XXXX XXXX XXXX or received service from XXXX. I made this known to Radius and they continue to call me to collect bills on this account. I am now beginning to get notices for other charges and other service dates that are also in error from Radius Global Solutions. Also, they are calling me from " spoofed '' numbers  from my area code.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been with Capital One approximately 10 years. I have never requested a credit limit increase. I requested a limit increase on XXXX/XXXX/20 and was told that my limit could not be increased due to " Average Monthly Payment too low ''. Capital One provided me with a statement that says I have to make more than my minimum payment 3 months in a row. My minimum payment is {$25.00} and I always pay over {$120.00} and have never been late even when I was laid off. When I contacted Customer Service they were not helpful they kept referring me to the website and then offered to assist me in closing my account.
Consumer complaint received 2022-07-18
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-11-12
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: Onity Group Inc. (TX)

After bankruptcy was filed what was the agreement between me and Mortgage Company I went into a repayment program I paid a lump sum of money and I was making monthly payments eventually I paid the house off they knew it was wrong for them to go into this payment plan with me and accept money but they used a rule that I did not know about I'm not a bankruptcy attorney they knew the acceptance of any money for any bankruptcy was against the law they knew that any money given to them should have been turned over to the Trustee since their answer includes a quote of the manner of law in which bankruptcy accounts are applied then return the XXXX plus that was sent in payments and reinstatement fees they got close to XXXX for a XXXX balance no matter what Ocwen quote they committed fraud they took money that they knew to be turned over to the Trustee to the bankruptcy court they failed to report that any payments was being made they hid this fact if they not intentionally want to hide facts then why wasn't it reported why they didn't send back the payments and inform me to give them to the bankruptcy why didn't they make this fact clear to me as they are in their answer to my complaint to you ... because This Mortgage company has a history of their fraudulent and deceitful ways to many customers their answer to you is a simple script from a real estate book but the facts remain they took the money regardless if i applied bankruptcy they knew the laws it is their hob to know they never said sorry send your payments to the courts they took them and since over XXXX XXXX  was paid to pay off the loan I want my XXXX XXXX plus back. This Mortgage company defrauded me ( period ) ref to complaint numbers XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have not wavered about my complaint over the years. If CFPB are here to assistance when consumers are taken advantage of by companies are not complying why am I still seeking the case?
Consumer complaint received 2020-10-23
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. (GA)

Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in XXXX XXXX.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2019 I logged onto my Amazon Chase credit card account and a pop-up asked that I verify my personal information. The information provided was not mine, but was the address and phone number of my deceased cousin ( passed away 5 years ago ) who lives in another part of the country. I then checked my credit report and his address now appears as one of my addresses on the report. I have never shared an address with my cousin and have  never provided the address or phone number to any company. I called Chase with concerns about my account security and to try and understand if someone is using mine or my cousins information fraudulently, to which I was told " maybe '' but there is no way to know. They can not research how my address got changed to my cousins, the only thing they could do is change the address back. I asked for a supervisor who told me the same thing, that Chase does keep information regarding address changes on file so there is no way to know how this could happen. I expressed my concerns over the security of my data with the Company and the response was " don't worry, we changed the address back ''.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This complaint is for Experian and XXXX  I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for XXXX XXXX purchased by a debt collector that I paid it was removed but now XXXX says I have another for the same amount but through XXXX XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX  from a XXXX to XXXX but Experian and XXXX  are still sitting at XXXX and XXXX and I paid collections in all 3 I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from Experian and XXXX. I would appreciate anything you can do for me. 
Thanks XXXX XXXX
Consumer complaint received 2020-10-23
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. (NY)

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX