davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I was offered a deferment after hurricane Ida in XXXX. My home had some small damages from the hurricane. My home insurance denied my claim so I had them repaired. I took the deferment thinking FEMA would reimburse me for the small damages. The deferment was for XXXX XXXX and XX/XX/2021 with my loan servicer PHH mortgage. In XXXX after the deferment ended I applied for mortgage assistance with PHH because DEMA offered no financial help. The mortgage assistance with PHH has been in review for more than 120 days. They return every payment I mail and they blocked my payments online and by phone and wont let me make the remaining regular payments until their review of the three month deferment is done. I am afraid it is meant to make my account more late so they can take my home. XXXX XXXX XXXX XXXX with very little family. I cant afford to lose my house. I have tried to pay the remaining regular payments but they wont take the payments. My taxes are delinquent because if this review they are doing for the months XXXX XXXX and XX/XX/2021 XXXX
Consumer complaint received 2021-11-27
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: Experian Information Solutions Inc. (MN)

The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX Balance {$260.00} Inquiry : XXXX Inquiry XXXX XX/XX/2020 XXXX
Consumer complaint received 2021-11-27
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: Experian Information Solutions Inc. (FL)

I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus Experian XXXX XXXX... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a XXXX with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.
Consumer complaint received 2022-06-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.
Consumer complaint received 2022-06-28
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. (CO)

Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My ex wife & I filed for divorce in 2009. She took out a credit card in my name, under her business name, with her business address. This cared was not submitted in the divorce & she is refusing to rectify the situation.
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (TX)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022, I went through my file to get the code to lift the credit freeze with Experian. I did not find anything. I went online to learn how-to ; info was to create a free account. They asked for name, address, email, and probably a phone number ( from memory ), but then they ALSO asked for the entir

e S.S. number, instead of the last 4 digits. The purpose of the security freeze is to PROTECT the social security number and SURELY, they can identify me with everything else they asked for online or can ask me say, on the phone. ( My main bank only asks for the last 4. ) - Of course, it is impossible to reach them on the phone. Since most potential creditors want a report from all 3 businesses, please help me here. 
Thanks.
Consumer complaint received 2021-11-27
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: Southwest Credit Systems, L.P. (PA)

On XX/XX/2021 I sent Certified mail to Southwest Credit collection, XXXX, XXXX, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.
Consumer complaint received 2022-06-14
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. (AL)

In accordance with the Fair Credit Reporting Act, TransUnion has violated my rights. 

Credit Inquiries : XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), 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 never gave these written instructions. & also. I did not authorize the above inquiries.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/2021 purchase using Amex card ending XXXX. XXXX is the merchant name. Purchase amount is {$19.00}. I disputed this through American Express and was told it was a valid purchase and that I signed up for a reacurring service. I never intended to sign up for reacurring service. I only used XXXX XXXXXXXX for a single one time purchase of postage. I feel this charge should be reversed and charged back to XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I have two cards that were due for payment yesterday XX/XX/22 and I was not able to log into my account I attempted several times throughout the day and was not able to log into my account, this is the message it was giving me Were sorry. A technical glitch has occurred and your request can not be completed. Please try again later, which I did and still nothing. I have called several times and there is no one available to answer calls. I do not want to be charged a late fee as this is something that is out of my control. Please let me know what I can do to resolve this issue. 
Thank you!
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and XXXX XXXX XXXX and affiliates have violated my rights. 

- 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 an account without my written instructions Please show me proof that I gave your company permission to furnish these alleged debts on my consumer reports
Consumer complaint received 2021-10-26
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: Kingston Data & Credit International Inc. (MT)

I have disputed multiple times a collection from Kingston collection and anytime fitness multiple times I do not owe them for this account as it was closed and their was nothing oweing on the account when it was closed. Yet they turned me into collections and are calling me harassing me and I do not owe them. They have damaged my credit rating and contributed to my inability to purchase my home. I have contacted transunion multiple times and they say they have investigated and the account info is correct and left the inaccurate info on my account. This is not the only time I have had issues with transunions so called investigations they did this with inaccuracies with 2 XXXX  XXXX  XXXX  accounts on my report that also significantly damaged my credit score and contributed to my inability to obtain a home loan and require me to lease a rental property. Their investigations take longer then they should and they are not adequate. I have contacted the XXXX to help get anytime fitness to acknowledg the collection is not accurate and I will report Kingston professionals in any way possible to put an end to the phone calls and harassment trying to force me to pay a debt that I do not owe. XXXX could easily validate my dispute but from my experience and having this be an issue on multiple occasions on multiple accounts within their reporting of and investigations into my credit report it seems they are not handling their duties as they should and the consequences of this has caused me financial loss, loss of time, XXXX, and all around has had a domino effect that has impacted almost every aspect of my life. Your credit rating is essential to maintaining financial stability and those who are in charge of ensuring its accuracy should hold themselves and their duties to a higher standard then what i have experienced with the handling of my report.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

account had fraudulent activity and I was not found liable for the {$500.00}. However 1 year later a charge off for the {$500.00} was put on my credit. called the creditor on XX/XX/2021 and was advised that it would be removed. called again on XX/XX/2021 and was told the same thing. I still have an open account with creditor. How can I have a charged off account and still have an active account. Nothing was charged off, I'm still using and paying on account.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2021-11-27
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. (CA)

I received dispute results from Experian about this bankruptcy stating that it was verified. First of all I submitted for verification of this bankruptcy and an item that was stated as being part of this bankruptcy. Both items are erroneous and the item claimed to be part of the alleged bankruptcy was deleted due to being unverifiable. The first problem is that I submitted my dispute in XXXX so why are you JUST sending results that were expected within 15 days. I know it did not take over 2 months for your investigation. As a matter of fact Experian did not even submit it until XX/XX/XXXX. The dispute letter and screenshot of submission are attached. The second problem is that Experian states that XXXX is their bankruptcy data furnisher and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Experian genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy!
Consumer complaint received 2021-11-27
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. (MN)

I am having a problem and issue getting my free annual credit report from XXXX XXXX, XXXX and Experian, I am entitled to under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-11-27
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. (MN)

I am having a problem getting my free annual credit report from XXXX XXXX, XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to one free credit report annually. Furthermore, I want XXXX XXXX, XXXX and Experian to release my credit report to all lenders, creditors, banks and credit unions.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (GA)

In XXXX of 2021 I reviewed a copy of my credit report and noticed a collections reporting on from XXXX claiming I owe them an outstanding debt. I don't believe this account belongs to me and so I reached out to them on several occasions for validation on this account to which they have yet to send me any of the validation I requisition including the method of validation, signed contract for the good and services to which they claimed I owe. They sent a letter to me informing me that in order to get the signed copy of the contract I would need to subpoena sent to their legal department.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXX XXXX XXXX XXXX XXXX Protected Consumer to Navy Federal . I am a natural person who is at all times relevant. Navy Federal has caused my family and I great harm. 
In 2017 Navy Federal received my Federal Income Tax Return into my checking account. After they received my Tax Refund via direct deposit I was asked to come into the branch for verification purposes. After the teller verified who I was and that was XXXX XXXX 's Tax Refund I was told I would not be receiving my tax refund. Navy Federal lied, stole, and mislead me wrongfully restricting my account and stealing from me. I was told since I was past due on my loans Navy Federal reserved all rights to my Tax Refund since it was deposited into my account. I was told I would not be able to access my account nor would I be receiving my Tax Refund because I owed on my loan. Unfair restrictions were placed on my accounts after Navy Federal fraudulently stole my Tax Return and did as they pleased with over {$8000.00} of my hard-earned money. 
At this time I had just turned XXXX XXXX XXXX. I did not understand anything that Navy Federal was doing to me and my family. My family ended up being evicted from our apartment and my car was repoed as a result of Navy Federal stealing my Tax Refund. I was planning to use a portion of my Refund to pay on my Navy Federal loans as well as catch up on my rental and living expenses. I was stripped of the chance to do those things and lost everything in the process. Navy Federal Credit Union deceived and mislead me in the worst way possible. My family and I were living on the XXXX out of funds in a short time as a result of Navy Federals ' willful negligent practice. I received several calls and late notices that were harmful and threatening to me as I felt like I could not do anything to help myself at the time from being harassed and humiliated by Navy Federal. I thought so highly of Navy Federal until I witnessed them engaging in unfair and deceptive acts or practices and violated me per federal consumer financial laws. Navy Federal violated the Consumer Financial Protection Act by making deceptive representations to Consumers in connection with its debt collection activities. Navy Federal also violated CFPA by unfairly restricting my account access, and blocking my debit cards, and online access. I was told I would only be allowed to come into the branch for any banking transactions. I was also told I will no longer have an account other than my savings, so all other accounts were permanently XXXX. My remedy I am seeking to recover my Federal Tax Refund that was illegally fraudulently stolen from me. Navy federal was not authorized to pursue any of the actions they insisted on.