davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

In XXXX I was going through a divorce, my ex-husband stopped paying the mortgage without me knowing and had the mailing address changed to a PO Box in his name. The lender, Ocwen which then was transferred to PHH Mortgage/XXXX  XXXX, never properly notified me as a co-borrower of this issue but started foreclosure proceedings. I went to court on XX/XX/XXXX once alerted to resolve this with my attorney, where the judge ordered a six month stay on any proceedings. In the interim, I sold the property and paid all outstanding fees and balance on XX/XX/XXXX before the stay would expire. 

The lender, PHH Mortgage, reported to the credit agencies a " foreclosure start '' alert dated XX/XX/XXXX, which is now preventing me from any refinancing options I wish to do on my current home because of this issue. I've reached out to the company both verbally and in written documentation dated XX/XX/XXXX to the Escalations Department and can not get anyone to address this. My calls always get transferred overseas to the XXXX where the reps keep telling me it's being reviewed this after over 60 days of constant follow-ups. I can not get in touch with anyone in the US/ NJ offices, all calls are only transferred out with no assistance. 

I'm asking for someone to help with my credit status, I always had perfect credit prior, this was a situation out of my control and was resolved accordingly within the timeframe given by the judge in the XXXX County Circuit Court. 

These companies, Ocwen/PHH/XXXX  XXXX, all have negative online comments by consumers for their horrible consumer relations. I hope that there is some recourse that may be helpful in resolving this matter quickly. 
Thank you!
Consumer complaint received 2022-07-18
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. (MI)

In accordance with the Fair Credit Reporting act XXXX 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 604 A. it also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Received a text from Bank of America wire transfer today : XXXX ( XXXX ) Payee  successfully added for {$1000.00} from XXXX XXXX, If you have not made call XXXX to report XXXX  Customer service said XXXX XXXX is opening various bank accounts. I dont understand how. They gave me an email address of : XXXX or XXXX Then he was asking me where I bank and I said no. No body should be opening any accounts without my acknowledgment.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (MI)

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX Inquiry date XX/XX/XXXX, XXXX OF XXXX Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/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 2022-05-06
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: Union Home Mortgage Corp (CT)

I did not authorize a hard credit check on my credit and this was not explicitly requested. Not only was this done without my permission, but it was done twice, significantly dropping my credit score.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have a credit card with Bank of America. I made two back to back payments on XX/XX/XXXX and XX/XX/XXXX of 2021. My bank and I have proof that I made these payments. After hours and hours of talking to them and sending documents that I made these two payments they refuse to acknowledge that I made two and they say I only paid one. My bank reimbursed me one of the payments of {$200.00}. I paid off my credit card with Bank of America. Now they tell me I still owe them {$200.00}. They are charging me interest. It is affecting my credit. I am at a loss of what to do. Can you help me?
Consumer complaint received 2022-05-05
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. (NY)

The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act th

at may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XX/XX/XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

As of late XX/XX/XXXX XXXX XXXX XXXX XXXX  is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.
Consumer complaint received 2021-10-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (AZ)

In 2005 I attended XXXX XXXX hoping I would graduate and find myself a great job as XXXX claimed in person by XXXX recruiters, TV adds, brochures and more. XXXX recruiters failed to establish the true cost of attending school and I felt lied to about the actual cost of the colleges program. I had no clue each quarter would cost roughly {$5000.00} for each class. At the time when I was more than halfway to complete my degree, XXXX stated I maxed out of the Federal Aid assistance and would need to either come up with the remainder of the cost out-of-pocket or apply for private student loans. I then decided I would transfer my credits to a more affordable college to complete my degree. Well, come to find out, XXXX credits were non-transferable. XXXX XXXX gave me no choice and steered me to apply for Private Student Loans up to {$18000.00} through XXXX which not only were expensive but also entailed high interest rates to complete my classes and graduate. Since I have graduated I have had a difficult time repaying my loans and may face default. XXXX ended my future with hardship and unforeseen amount of debt and no career in the field I studied for. The financial harm I am facing today is a tremendous burden as I have difficulty supporting my family financially. I have attached a copy of the lawsuit filed against XXXX XXXX for misleading their students, who for some, needed to apply for Private Loans. XXXX XXXX has been found guilty of defrauding the Department of Education and their students.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

ENHANCED RECOVERY XXXX is violating my rights as a Federally Protected Consumer, the Original Creditor, XXXX XXXX and its Principal and Authorized Representative for on all accounts. I have not created any of these by my signature, As of the date of this letter you and XXXX  and XXXX have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (AZ)

SOMEONE UNDER MY NAME OPENED A FRAUDULENT ACCOUNT WITH XXXX XXXX XXXX AND NOW OWES THEM XXXX DOLLARS. THE ACCOUNT HAS NOW BEEN CLOSED AND PASSED ON TO A COLLECTIONS AGENCY, PENN CREDIT CORPORATON. 
PENN CREDIT CORPORATION WANTS ME TO PAY A DEBT THAT DOES NOT BELONG TO ME.
Consumer complaint received 2022-05-05
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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-06-08
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: EQUIFAX, INC. (TX)

Received letter in XXXX XXXX from XXXX XXXX of TX about an account default of {$3300.00} on an account I never opened ( my mail was apparently stolen ). I contacted local office. Contacted local police. Received a fraud packet. Attempted to contact fraud dept./XXXX XXXX w/ multiple voicemails & got no reply. Finally got copy of bad check ( accepted by XXXX XXXX ) in XXXX XXXX. On the reverse of the check is my TX DL number. All other info is fake & not my signature. **Also noticed on my Equifax report a Collections from XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX for use of XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never been to such a place ( they are in XXXX & XXXX XXXX, not near me in XXXX ). This is not my bill. I never made this visit and don't know how to correct this breach. 

The police told me they couldn't open a report on what I gave them but I could go to identitytheft.gov & fill out the info which would be like a police report for XXXX. I sent them a letter provided by the website, as well as one to Equifax. 

Since then - XXXX, I have heard nothing back from XXXX XXXX nor anything of substance from Equifax. My FICO score has gone from high ( XXXX ) to the low 600s to back to XXXX.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

Good morning. My complaint is with the online banking company called Chime. About a month ago I was on vacation and I received an email saying that my account needed to be updated and I must provide them with the following information like driver 's license, social security card, proof of residence, like a utility bill, and proof of income. Also, I had a {$90000.00} deposit that I received from my XXXX the XXXX XXXX, and the rapid funds I sent to myself. I didn't immediately get the information to them, even though they said that I had 5 days to do so or my account would be locked. I have been with Chime for years and never encountered any issues. Also, this isn't the first time I've had a deposit of that amount deposited into my account. Two years ago I had an amount for maybe {$50000.00} deposited into the same account and there were no questions asked then and no problems. I made calls to Chime customer service pleading and many times complaining furiously about my account. Even after I sent them the information they sent me an email saying that they were unfortunately weren't going to be able to unlock my account with the information I had provided. I am the only person on this account. I don't understand why am I explaining the large amounts of money deposited into my account which is nothing new, and how I am using it. When I tried to call and speak with them now I'm just getting the run around. The XXXX of the month is coming up and I have rent and other bills to pay. I don't want my family and I to be outdoors because they want to be different. I sent one last email pleading my case three days ago and they still haven't responded back to my email. I have over {$47000.00} in my account and I told them before that I wasn't leaving it. I now turn to you guys for help in quickly resolving this matter. Thank you.
Consumer complaint received 2022-04-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

They kept calling me and calling me about this debt I had. I knew I had it I just couldnt pay it times were very hard. But even tho things were still not so great I ended calling the collection agency they told me they would give me a deal and they would delete it from my report if I paid it that day. I did pay it and now they wont remove the collection mark on my report I asked them if they could since that was their promise they told me they cant do that. So Im left with no other choice than to make this complaint. I know it was a collection but I paid it. I paid my dues.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX