davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH MORTGAGE Company Loan # XXXX homeowner : XXXX XXXX XXXX  XXXX PHH sent my home insurance company a check # XXXX on XX/XX/XXXX via USPS for & XXXX to XXXX XXXX XXXX PHH waited till XX/XX/XXXX to send the payment when it was due on XX/XX/XXXX. XXXX XXXX has not, as of yet, received the check and are threatening to discontinue my home insurance. I am on autopay with PHH so my mortgage payment is NEVER late! I am concerned that they held the money to make money ( interest ) and will do the same with my real estate taxes which are due no later than XX/XX/XXXX to prevent a higher amount. Spoke with XXXX # XXXX at PHH XX/XX/XXXX at XXXX re escalation of this complaint. Insurance specialist XXXX # XXXX  Why was this payment to the insurance company made late? Stating they called XXXX XXXX with no success but did not contact me! 
Do I have a promise that my real estate taxes will be mailed in on XX/XX/XXXX to prevent additional charges? I want an email from PHH when the real estate taxes are mailed with check #, who they paid to and what date as well as method-i.e. USPS
Consumer complaint received 2022-04-26
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. (FL)

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


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( CLOSED ), has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I received a bill with one line with no detail of what I was paying for so I asked for more information all of a sudden I'm getting calls from a collection company saying I owed money and that I have been forwarded to collections. I have had an XXXX XXXX XXXX most of my life. This feels like a scam and harassment to me. A company can ruin your credit with no recourse and force you to pay a bill that they don't provide information about the charges. This is not fair and just wrong!
Consumer complaint received 2022-04-26
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

reported to XXXX transunion and XXXX credit that i was credit hacked and that the bankruptcys and XXXX XXXX and XXXX  and several other companys were not mine and i have reported this to the police so i am asking for this department to help me in this matter i sent a fcra demand notice to all companys that states they have 4 business days to remove and or block
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : 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.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX This company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : 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.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On Friday, XXXX, I received a call from Capital One about an important message related to XXXX XXXX  credit card. I called the number on my credit card on Sunday, XXXX, to inquire. I was told by customer service that my account had been deactivated and in order to get it corrected I needed to send in a copy of the front and back of my state-issued ID, a copy of the front of my Social Security card , and a recent utility bill. Despite my repeated questions about why this was necessary a suitable response was never given. I even spoke with a supervisor but was told the system wouldn't allow her to tell me the issue until after I had submitted the requested information. Further compounding the problem, any current rewards I have earned by using the credit card are now frozen and no longer available to me. I called XXXX customer service but they said there was nothing they can do. Before I cancel the card I thought I would try this complaint service as a last option.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

In XXXX of XXXX XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint immediately placed the account into default status and began threatening foreclosure. Additionally, they contracted with another company who changed the locks on my property and alleged to winterized a home that had been previously winterized. 

After filing a complaint with your agency in XXXX of XXXX Shellpoint honored the agreement made with XXXX and my account was returned to good standing. However, Shellpoint has consistently denied me access to the property even though there are no outstanding balances on the property. Every attempt since XXXX to gain access to the property, as recently as XX/XX/XXXX has been met with the same statement. We are escalating your your request and someone will be in contact with you within 24-48 hours. The return calls never happens, in spite of the monthly mortgage being paid and in spite of advising their customer service reps and supervision that the calls were being recorded and that I would be contacting an attorney As a result of being locked out of my home, I have been unable to assess any damage rendered to the property by Shellpoint representatives or lease the property to interested parties. However, my phone is inundated everyday with callers seeking to purchase the property. 

XXXX and Shellpoint 's handling of this property has caused substantial stress and severe mental anguish as every attempt to conduct routine business results in unproductive phone calls no less than 1.5 hours. 

As I stated in the XXXX complaint, XXXX XXXX  and Shellpoint mortgage seems to be complicit and nefarious in their actions with consumers, with a common goal of seizing the properties of unsuspecting people. I strongly urge a full investigation into their day to day interactions with consumers.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX INQUIRY, has 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 a account without my written instructions
Consumer complaint received 2022-04-26
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. (TX)

Inaccurate information is placed on my credit reports. I have written in to these companies to fix the matter and it has not been done. Most of the information on my credit reports are inaccurate. The proof I have is directly from their reporting.
Consumer complaint received 2022-09-07
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. (VA)

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. 


The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-10
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. (OK)

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to Transunion on several occasions to no prevail. Transunion says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX  account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XX/XX/2022. Transunion keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX was unresponsive when trying to cancel their services. After 11 months I realized the services that were promised were never delivered. They promise a home warranty service in which appliances and major issues within your home would be replaced if deemed to not replaceable. I had an issue with my AC and was told by one of their repairmen it would cost a lot of money to clean the outside vent. 
I was charged {$99.00} for the repairman to tell me I had an issue. 
If you see their reviews you will see that this company is a SCAM. 
After attempting to call their toll free numbers and waiting on hold for up to 6 hours, their number ( s ) would hang up on me. As soon as I placed a stop payment through my bank, I started to receive harassing phone calls. However, calling customer service is a nightmare if you are trying to cancel their service. Its as if they know that you are. 
The collection is now 3x the original amount. 
I attempted to cancel their service in XXXX of XXXX. 
Last ACH Debit was XX/XX/2021. 
The original amount bill was {$44.00} and now it is {$130.00} I should owe nothing. I was not on a 12 month contract. There was no contract signed. No cancellation policy in place or sent to me.
Consumer complaint received 2022-09-07
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. (TX)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has 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 a account without my written instructions
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

My home was in forbearance for XXXX XXXX during XXXX. I started receiving letters from XXXX XXXX XXXX that I needed to start back making payments after the end of forbearance XX/XX/XXXX. I was told my payment would be XXXX ( this not the exact amount because I cant remember the exact amount. ) I notified XXXX that I had divorced my husband on XX/XX/XXXX, XXXX and I had legally changed my name back to my maiden name if XXXX XXXX XXXX requested documentation of the divorce and my name change which I did. When I received my loan modification paperwork they had my then ex husbands name on the paperwork with a new payment of XXXX and some change. Each time I would receive new loan modification there was still name errors on the loan modification. This continued up until XX/XX/XXXX when my ex husband died. XXXX requested his death certificate which I provided. This loan company could NOT get this straightened out with my name change and removing him from the loan papers. I would call XXXX each month which during this time my new house payment kept changing by increasing. The last loan modification I received was XX/XX/XXXX which showed my payment to be the XXXX payment due XX/XX/XXXX which I didnt receive until the first week of XXXX. Today I became completely fed up with the underwriters handling of my loan modification so I called XXXX and spoke with a person who kept talking over me so after 20 minutes I hung up. I later called back and spoke with someone when the phone began to have so much static I could not hear anything she was saying. The next thing I know I was put on hold. After 35 minutes I hung up. I called back later and spoke with a call taker. She advised she saw that my payment is XXXX due XX/XX/XXXX. She told me she was going to put me on hold to talk to someone in loan modification when after 44 minutes I hung up. I do not think I should have to pay a higher payment due to their incompetence and the interest rate increasing. This has been a complete nightmare!
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to XXXX & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-25
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)

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to Transunion & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (GA)

A collections account was opened up in my name On XX/XX/XXXX Regarding an XXXX XXXX that occurred on XX/XX/XXXX. I had a personal injury attorney settle all my medical costs through insurance and received a settlement check with all the amounts paid off. I have tried countless times to contact and open disputes with this company to get it removed and it has still stayed on the credit report of my XXXX. I had it removed on XXXX but they will not remove it from XXXX.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has been reporting a 711 % credit utilization. This has caused a huge drop in my credit score and caused one credit card to reduce my credit line and then close my account. 

I have contacted them several times via message on their website and via phone. I was told they would contact me again in a few days with a solution. 

Two weeks have gone by with no contact, and now my score dropped XXXX points and it is showing as 754 % utilization. 

I believe my utilization is around 40 %. It is not even mathematically possible that I could be using more than 100 % of my available credit. 

This is causing huge damage to my credit score and preventing a refinance application from going through!