davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

Closing the house found out. There is a lien on the house for {$55000.00}. We communicated with the lender says this account been inactive seen XXXX. Also I found 1099-c debt discharge of the amount of {$55000.00}. Lender want me to payout the 2nd loan plus interest and late fee that I have no knowledge of the 2nd loan. We sent all the document to the lender my bankruptcy and the 1099-c discharge. We been trying almost every another day to resolve this issue. My final day to close is Friday XX/XX/XXXX. I need help
Consumer complaint received 2021-08-31
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. (VA)

Retrieval and access to my credit report disclosed multiple inaccuracies regarding an alleged " student loan investigation '' The investigation is only showing onto two credit bureaus ( XXXX  and TransUnion ).

I have not filed any student loan investigations in the past year or so. Further, the record is obviously long-lived its mandatory thirty-days investigation period.

This situation is negatively affecting my credit standing and scores which reflects systemic bias and inefficiencies. These errors seem to intentionally being reported by these entities without any consequences nor ramifications.
Consumer complaint received 2022-01-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vericred Solutions LLC (TX)

I have paid the debt to XXXX XXXX XXXX XXXX ( receipt attached ) paid though Vericred Solutions LLC. I do not owe. They placed a balance on my credit report which I was told would be removed. I have requested multiple times for them to remove this debt from my XXXX  credit file. I have completed many disputes and attached the receipt paid. I would like this information removed from my credit file because I have paid this debt.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Hi, I don't want to wait another two years to receive my funds. 

Back in XXXX I filed a case in the XXXX XXXX XXXX Courts to have the state of my late grandmother administered. They ended up appointing some attorney name XXXX XXXX as the administrator of the estate. Doing her time, she's made a lot of errors in handling and closing this estate. However, that's not here nor there. Recently the house that was the only thing in the estate was foreclosed on in XXXX in XXXX which left some surplus funds for the heirs. The attorney didn't file to close the estate until XXXX of XXXX. The estate was finally granted a closure by the XXXX XXXX courts in XX/XX/XXXX. 

She issues us/me a check. I went to deposit the check and it got flagged by Chase Bank. Chase will not issue me the funds because they can not verify the issuer of the check which is XXXX XXXX the estate administrator. They are trying to verify her through a third-party system by the name on the check that she issued. They also ran her business phone number and it's not coming up. XXXX XXXX name is currently XXXX XXXX which was formerly name The Law Office of XXXX XXXX XXXX. She also recently moved to a new location. However, none of this with Chase Bank matter. I assume that when they run her phone number XXXX through a third party that it comes up under her old business name. 

Because of her lack of understanding and having never dealt with anything like this she is refusing to help me help Chase verify who she is. I've had her on three-way calls talking to a bank representative and she still don't understand what she needs to do. On XX/XX/XXXX we told her to cancel the check and reissues it. However, she refused to do so. She is calming that she will reissue a check once the funds are returned to her. however, she's not understanding that Chase Bank will not reissues/return the funds or check to either of us! 

Chase is calling it fraud and she's thinks I am playing game. Chase has told me that in 10 business days they will close my account and hold the fund in suspension for up to two years before it is release to the state of GA. At which point I will have to go through some unclaimed funds process to get my inheritance that I've been waiting on since XXXX. My grandmother has been deceased almost 22yrs.

Because the estate is now close under the courts authority she has no obligation to me, and I can't go to the courts for help! 

I have been fighting these issues since XX/XX/XXXX with no results. XXXX XXXX can be reached at XXXX or XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CT)

My house significantly increase in value due to the renovations completed on the house. The valuation done by local tax collection department and also a fair value letter that was sent directly by the mortgage company showed that the house almost doubled in value and thus XXXX dropped significantly. Thus, I've reached out to the mortgage company in the beginning of XX/XX/2022 asking to remove PMI. The request is still with the mortgage company with no progress. I also can not get information on what is the reason of the hold up and by when this is going to be completed. Every time I call- which is weekly, they keep moving the date by when they expect this to be resolved. The request has been expedited XXXX weeks ago, but this did not seem to help. Meanwhile I keep paying PMI and I no longer should be paying.
Consumer complaint received 2022-01-23
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 checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (GA)

Resubmission : I have reached out to first national  XX/XX/29 to request validation and I have not heard back from them. They are reporting inaccurate information, continually saying reporting that an account is negative every month, AND on top of their continuous reporting, they have not updated the file that I requested a dispute on the alleged account which according to section 1692e ( 8 ) is a violation of the FCDPA.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

I lost my income in XXXX since then I don't have any resources to pay my debt, aside from my husband XXXX payment from His military service. I decided to enroll in the debt settlement program which I signed an agreement to the program so they can settle the debt on my behalf the confusion is, the debt collector company Midland Credit Management Inc. changed the account number from the original account number, so they can continue a negative report to the credit bureau and the account still open until now even though the debt settlement company already settled the account. I guess this debt collector used this wrong tactic to punish me for not paying my debt, which is not my fault of losing my income. please solve this matter. as of now I don't any have communication with this debt collector.
Consumer complaint received 2022-08-23
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 Account # 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 602 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 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NY)

I called Capital one regarding the account XXXX XXXX XXXX XXXX I didnt open this account Is no contract with my signature The time was open I was sick They said i they send me mail with I never receive it before Im requesting Capital one to remove this account from my credit report This account is affecting me from renting an apartment I have a XXXX  sister which I take care of her because the negative account is affecting me from renting an apartment I called Capital one to talk to ask a few questions and the representative told me that I was having a stop and desist and they couldnt do nothing with that So I said to the representative of Capital to authorize to delete the stop and desist to talk about what happened to me Immediately I authorized the representative of Capital one to delete the stop and desist He started this an attempt to collect a debt He didnt even let talk He continue this is an attend to collect He was so rude he didnt even want me to talk about the reason I was calling He said to me you call to pay I start it lying from the beginning First I never say that and second I told him that I didnt open this account He was rude I ask for a supervisor I wait and then I couldnt communicate with the supervisor at the end I hang off because this people they dont want to listen to reason They dont want to listen to nothing just Pay me that is all I ask for help to the bureau of consumer finance This is one of the most ruthless credit card companies. When you talk to them they dont treat you with kindness or humanity Just like a number like someone that owe money to the mafia pay me or pay me I d like to make a movement to show the real face of this company Lack of empathy, kindness and hypocrisy But is God in heaven
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
Consumer complaint received 2021-11-29
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: Santander Consumer USA Holdings Inc. (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take XXXX action.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

XX/XX/XXXX, I reviewed my credit report through my checking account and saw that my credit score had decreased. After further review, I saw the company CRM al known as Credence Resource Management reported I had a past due balance for XXXX  without verifying whether the debt was actually mine. I reported this to the 3 credit bureaus, the identity theft department of the FTC and fraud department at XXXX XXXX XXXX XXXX XXXX XXXX removed the derogatory mark from my credit report in XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Credence Resource Management in response to my request to verify. The account is inaccurately linked to me. I never opened a XXXX account for service nor am I affiliated with the address ( in XXXX, Texas ) linked to the services installed that are past due. I am a victim of identity theft and as such I have opened another case with the FTC/XXXX. I also contacted AT & T again regarding this matter and I have fraud alerts from XXXX, XXXX and XXXX and credit freeze on my credit report. Credence Resource Management has not performed due diligence in verifying the debt is actually mine.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account BXXXX  ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account is continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX OF XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has discriminated against me with an adverse action, CREDIT IS MY RIGHT according to congresses definition under 15 USC 1602, Bank of America has committed a law violations according to Congress under 15 usc 1681a, 12 CFR 1002.7, ADVERSE TO MY INTERESTS AS A CONSUMER. By definition according to Congress and 15 USC 1691 the explanation of ACTIVITIES CONSTITUTING DISCRIMINATION SAYS IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. The law is clear on this and these laws have been set into place to protect consumers from DISCRIMINATION, and UNFAIR BANKING. I exercised my rights granted to me! This is considered unauthorized use 15 USC 1602 ( p ) because me being the card holder has received no benefit from this transaction. Consumer Financial protection bureau states credit report is optional by corporations, Bank of Americas policy do not supersede federal laws set into place to protect me. I have been more than fair on resolving this matter but it seems Bank of America chooses to be willfully negligent and noncompliant to the laws on this matter. This could lead to criminal liability and civil liability.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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 — Account status incorrect
Company: Bread Financial Holdings, Inc. (SC)

Hello, I am writing because I closed my account with Zales Outlet the XXXX XXXX on XX/XX/XXXX and paid it off in full. 

I began receiving phone calls from XXXX XXXX XXXX to collect a debt amount of {$69.00} and a new statement dated XX/XX/XXXX. On the bill there is an amount of {$33.00} for a previous balance and fees charges of {$35.00}. 

They have reported me as late for an account closed almost six months ago and has now messed up my 100 % payment history for the last XXXX years. 

I was put on hold and transferred three times for someone to help me with this. 

They told me I would have to call a number to request the credit reporting to be corrected. 

I have advised them I WILL NOT CALL ANYONE FOR AN ERROR on their part. 

They are refusing to help me. 

This is a scam and they need to be shut down. 

Please help me with this.
Consumer complaint received 2021-11-29
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: Kashable LLC (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-08-22
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. (MI)

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 18 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.