davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Update : XXXX took one small action to address the Identity Theft related hard inquiries on my report. EQUIFAX XXXX XXXX FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, Equifax, XXXX and their executive branch, the Consumer Data Industry Association , which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or Equifax. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This criminal cartel must be SHUT DOWN!!
Consumer complaint received 2022-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (MN)

i refinanced a home equity loan with my local bank, who in turn wired the payoff to Bankof the West. Bank of the west would not apply the payoff and close the loan down because they said it was not enough money to close the loan. They had calculated the payoff out another month for a payoff for XX/XX/XXXX, and my new bank sent the payoff for the correct amount on XX/XX/XXXX, and Bank of the west would not apply the funds. After another 5 days passed, Bank of the west debited my checking account for the regular monthly payment, then XXXX days after that, they applied the payoff my new bank sent them and closed it down. I have emailed and called bank of the west numerous times and can not get a response from them. Bank of the west has taken an additional {$1300.00} from me and will not put it back into my checking account. Bank of the west received a payoff from my new bank, and held those funds for over a week even though my new bank instructed them to payoff the home equity line.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I am writing to complain about my mortgage company. In XXXX we became delinquent owner mortgage.I contacted PHH to find out what they could do to help me. They offered a trial modification loan.The first payment was made without problems ; the second payment was returned by the bank. I contacted PHH but they would not allow me to make another payment. I was told to reapply for trial modification loan but that was denied because only one modification is allowed in 12 months and 12 months payment have to be made on time. How can I make 12 months payment went PHH won't allow me to make even one payment the reason for our delinquency with medical bills. My XXXX card was hacked three times since XXXX. In XXXX my husband 's identity was stolen. It is taken weeks to change banking information, automatic payments etc. I called PHH to try to resolve the problem but was told repeatedly I would have to face foreclosure or I could short sale or deed in lieu. I wrote a letter to PHH requesting to appeal the letter for denial of loan modification. When I called PHH they said I should short sale, deed in lieu or allow foreclosure. This was the only answer they would give me. I spoke to the refinance department but they can not do a cash out refinance mortgage until I make 12 monthly 12 months one time payment which I can't do because they won't allow one.
Consumer complaint received 2020-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-08-18
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. (CA)

I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am writing to you due to Huntington bank in Ohio, the manager was XXXX, the other person was XXXX. They both are located in Ohio would not tell me last names or which location. I had an old Huntington acct, with an XXXX negative bal, from a job loss I had last XX/XX/2021. My mother who is almost XXXX, had fraud on her XXXX _acct, 2 mos ago, to the amount of XXXX. It took me 5 weeks to get that money back, and I opened her a Huntington acct and closed her XXXX acct. 
Huntington took my debt from her new acct-without my knowledge. I am furious this is all the money she has, I agreed to set up time to right then in the phone from my other account at XXXX, they said no. This is ridiculous. She has only XXXX per minute from social security, thats it. I need those find out back to her account and I can set up the repayment of my negative balance.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax continues to violate my consumer rights. I have a right to complete and accurate information in my file. Equifax is an accessory to fraud. By furnishing inaccuracies they are making me even more susceptible to identity theft. I demand these violations end.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

XXXX is refusing to return my money of {$850.00} for wire transfer on XX/XX/2022. They said that the fund had been transfered to another platform. 

XXXX complaint number is in the attachment. Complaint # : Reply ] XXXX # XXXX - Complaint # XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've updated my current address with TransUnion, XXXX, and XXXX  and requested all incorrect addresses and phones be removed and it keeps being denied.
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sunlight Financial LLC (NC)

To whom it may concern, On XX/XX/2022 we signed a contract with XXXX XXXX XXXX XXXX and Sunlight Financial to install a new roof and solar with battery back up on our home. It has taken till XXXX XXXX to have the system installed and running and still not sure it is working properly due to the workmanship of XXXX XXXX. We were promised a reimbursement by XXXX XXXX for the months not operational and a rebate for {$4900.00}. Also we were promised a warranty. Now XXXX XXXX has closed their doors and are filing for bankruptcy and I am suppose to pay on a loan with Sunlight Financial for equipment that is not fully serviceable and no warranty with no recourse. Sunlight Financial has also put a lien on my home even though I have been making timely payments of {$410.00} a month for equipment that is inoperable. The loan is for {$69000.00}. I was pressured into this loan by the salesperson saying I would save {$12000.00} if I took a loan. I did not receive any savings.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC (VA)

I have a payment schedule setup to auto-draft from my account and have made the agreed payments. now this debt is showing back up on all 3 reports as delinquent and it has cost me XXXX points. I have provided proof of the last 2 payments, which reflect that the reporting information is NOT at all accurate and is hurting me badly as i entered into the agreement in good faith.
Consumer complaint received 2022-08-20
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
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: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2022-06-28
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)

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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (OH)

I had an auto loan with XXXX XXXX XXXX  in XXXX. My mother was co signer on the loan. She died in XXXX. XXXX XXXX refused to send the car title at the end of the loan, saying that I owed numerous late fees in the amount of {$1000.00}. I disputed this. I dont know when, but XXXX XXXX was acquired by Wells Fargo XXXX I just found that out today. The whereabouts of the vehicle were always known to XXXX XXXX, I have maintained insurance on the car since Ive had it. They could have repossessed it at any time. The debt was charged off and sold to XXXX XXXX. The amount due is now {$3100.00}. I have tried to reason with XXXX in an effort to resolve this issue but they are insistent on trying to get the XXXX that I do not have. I have asked them to come and get the vehicle, I even volunteered to have it towed to them. They refused. I can not sell this car as I have no title. The jump from erroneous late fees of XXXX to XXXX is ridiculous and I am seeking a resolution to this problem. Can you help me?
Consumer complaint received 2020-08-18
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. (GA)

I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX is claiming that this statement is there because of XXXX XXXX XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX  have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (KS)

Company first contacted me two weeks ago ( XX/XX/2022 ), did not provide any information in the initial call and did not provide written notice within 5 days as legally required. I immediately provided them my mailing address and still have not received any written notice addressed to me. Instead, they have sent unsolicited mail to my address with someone else 's name on it, which I received yesterday ( XX/XX/2022 ). I believe this is an intentional and malicious business practice intending to take away my legal right of notice and my right to dispute debt not owed.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

On or about XX/XX/year>, I opened a " free '' account with Experian. I did not sign up for XXXX paid services, nor was I informed by Experian that I would be getting charged for a credit report. I just got my credit report about a couple of weeks ago when I opened the account ; I do not need a new credit report every couple of weeks. I have been trying to figure out how to stop this feature, or just how to cancel my " free '' account altogether, but the site is not working for those pages. I keep getting the following error message when I try to go to " Membership '' and " Experian Boost '' : " Something went wrong behind the scenes, but we should have everything back up and running soon. '' I have tried speaking with a live agent/specialist over the phone numerous times, but the automated system keeps repeating that it can not connect me with a specialist. The automated system stated that I would receive an email with instructions to resolve the issue with my membership and credit report charge dispute. I did receive an email, but it did not include instructions, it was a link to log into the Experian account. Once logged in, I was having the same issues trying to resolve the issue, " something went wrong. '' I sent Experian an email detailing this issue and requesting assistance with canceling my account and requesting a refund. My account should have never been charged because I did not sign up for any paid services.
Consumer complaint received 2021-12-07
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: Consumer Portfolio Services, Inc. (OR)

These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

XXXX. Identity Theft XXXX  XXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. CONSUMER PORTFOLIO SVC Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit management XX/XX/2020 {$1200.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy.

15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.