davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
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. (AR)

To whom this  may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and M UST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on m y Credit Reports disp lays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

Equifax removed several fraudulent accounts from my credit report on XXXX XXXX and then they put all of the accounts back on my credit file XXXX XXXX. I have called corporate several times and the FCRA requires that the credit bureau send me notice of any account that is going back on my credit file within XXXX days and I never received anything warning me of them putting that information back on my credit report.
Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Mortgage payments sent to Ocwen Loan Servicing every month on time via XXXX Payments are for two  homes so two checks are ALWSYS in the envelope Ocwen will process one check and not another sporadically No notification sent about missing payments Last payment sent XXXX 2016 returned stating that it is not sufficient to bring the account current Ocwen filed foreclosure on XXXX XXXX 2016 They dragged their feet on the paperwork until the last minute had to file for bankruptcy to avoid the foreclosure They claimed they could not change the foreclosure date One home was offered modification and I applied for modification in the other and it was denied I gave a chapter XXXX hearing on XX/XX/XXXX. Ocwen never notified us for three years they never got a payment. I gave copies of all checks sent to them. I have proof they only cashed some and not all. They hide behind their XXXX employees who do not have a clue. Finally spoke with someone in the US and she could not care one bit stating they denied the modification because they could not reduce the loan amount by 20 % and they are nit mortgage lenders only processors I asked to speak with the underwriters or who is in charge and that was denied Their attorneys do not care. I sent them a package via XXXX with copies of all checks sent to them. They have not returned one check or processed the payments they received. I have tried to work through this with attorneys and all I end up with is filing bankruptcy This home is in Georgia
Consumer complaint received 2017-07-19
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: SYNCHRONY FINANCIAL (TX)

I sent a dispute letter to Synchrony Bank on XX/XX/XXXX regarding a XXXX 's credit card account that they are reporting incorrect information on. By law, they have to respond in 30 days or delete the item in question off of my credit report. They did not respond. I called on XXXX XXXX and requested that they delete the item but they refused. They said they never received my first letter and I would have to mail another one. Every time I call I am told that Synchrony Bank no longer handles XXXX 's accounts as of XXXX so they do not have any information on me and can not help me. I have to argue with them for 10-15 minutes and remind them that they are the ones reporting all of this incorrect information to the credit bureaus and then all of a sudden all of my information magically appears in their system. They can not provide me any details about my account, they say they do not have any information other than showing a past due balance from XXXX. I paid that balance in XXXX ( {$620.00} ) so this account needs to be deleted from all three credit bureaus.
Consumer complaint received 2017-07-19
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. (KY)

XXXX and XXXX are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Consumer complaint received 2017-04-29
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. (MO)

Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX /   17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX / 17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

A XXXX XXXX XXXX charge was made and the items never arrived so I disputed the charge. While awaiting a resolution, my account in ending in XXXX was closed and transfered to XXXX. Citi resolved the dispute but they reversed the conditional credit on card ending in XXXX and XXXX. The merchant provided a credit on XXXX.17 and Citi placed the refund to account ending in XXXX but my balance on account XXXX still reflect the XXXX amount
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (FL)

I had a prepaid phone in   XXXX  . Through  XXXX   XXXX   XXXX . It was {$60.00}.      XXXX  claimed when I discontinued the service that I still owed them {$60.00}. Which under a prepaid plan is impossible because it is pay in advanc e. Service ca n't be p rovided without payment.     I make a significant annual salary, but I refused to pay this because I felt it was a large company abusing their power and that they 'd normally succeed because no one would know how to defend themselves vs a big company.     They put me in collections and just this year almost 4 years after the issue. my credit rating was hit for  XXXX  points.     I spent the last 8 years of my life never missing a payment from any creditor and paid several  XXXX   XXXX  in bills only to get an  XXXX  credit rating ruined by  XXXX  over a {$60.00} bill.     I think that is ridiculous that companies can have this level of control in a dispute.
Consumer complaint received 2017-08-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX XXXX stating that my debts with Navient Private Education Loan are now settled. When I paid these balances with XXXX XXXX XXXX XXXX XXXX, Navient would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XXXX and for XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

To whom  this may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual  record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displ ays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I have a credit card with USAA Federal Savings Bank. I have had the card for well over five years and have never missed a payment. I received a call on XX/XX/XXXXfrom a collection agent telling me that I had failed to make my payment. I immediately scheduled an online payment from my account at a different institution effective for XX/XX/XXXX in the amount of {$110.00}. I then chatted with a representative from USAA and once she looked at my account waived the late fee because I have never been late on a payment. The payment of {$110.00} was effective for Friday XX/XX/XXXX. Once the payment was applied it should have made my balance on the card {$1900.00} giving me an available balance of {$95.00}. When I checked the account on XX/XX/XXXX my available balance was still showing a negative {$24.00} credit. I started a chat session with XXXX XXXX and was told that due to my card being over the limit by {$24.00} and my payment being missed they had placed a hold on my ACH payment that was effective on XX/XX/XXXX and it would not be released until XX/XX/XXXX. That is 7 days after my ACH payment was made. XXXX XXXX told me he was sorry and that there was nothing they could do about it. This is the first time I have ever had a missed payment and I remedied the situation as soon as I realized my mistake. Holding my ACH payment for 7 days is excessive. An ACH payment only has a two day window where it can be returned by the paying bank.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-08-21
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. (GA)

I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Bureau, Inc. (GA)

I do not have a lawfully binding contract with this company. I do not consent to any contract with this company. There is no contract that exist and there is no debt that exist. I have been in contact with this company on several occasions to resolve this issue. Please note letter from company dated  XXXX   XXXX  where the entity clearly states that there is NO CONTRACT that exist! If there is NO CONTRACT, then there is NO DEBT! This is abusive, fraudulent and unfair debt collection practices.
Consumer complaint received 2017-04-29
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. (AR)

To whom thi s may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (   XXXX   XXXX   TransUnion )  are neglecting to verify the accounts properly to determine which ones are duplicates or   original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2017-08-21
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. (FL)

I am a victim of identity theft and there are currently 8 collections being reported to my Equifax report for multiple debts I did not create. I have disputed these accounts several times with Equifax and they are refusing to delete them from my report. In my most recent dispute, I requested Equifax block these accounts from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have sent Equifax a copy of an identity theft police report I filed with my local XXXX County Sherriff 's office on more than three separate occasions. To this date, the only generic response I have received is that the accounts have been verified and can not be deleted. The collection company who is reporting these eight debts on my credit, " XXXX XXXX XXXX '', has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because Equifax is refusing to acknowledge my request to have these fraudulent accounts BLOCKED. It is my right as a consumer to request this and I will make sure Equifax is held accountable to the full letter of the law if they do not honor my request. I am attaching a section of a recent credit report which shows these eight collection accounts, the balances being reported, and the account numbers they have on my credit. The first account was opened in XX/XX/XXXX is for {$2300.00} and has an account number of " XXXX ''. The second account was opened in XX/XX/XXXX, is for {$2000.00} and has an account number of " XXXX '' .The third account was opened in XX/XX/XXXX, is for {$67.00} and has an account number of " XXXX ''. The fourth account was opened in XX/XX/XXXX, is for {$170.00} and has an account number of "  XXXX ''. The fifth account was opened in XX/XX/XXXX,  is for {$820.00} and has an account number of " XXXX ''. The sixth account was opened in XX/XX/XXXX,  is for {$6100.00} and has an account number of " XXXX ''. The seventh account was opened in XX/XX/XXXX, is for {$190.00} and has an account number of "  XXXX '' .The eighth account was opened inXX/XX/XXXX, is for {$990.00} and has an account number of "  XXXX ''. As you can see, only Equifax is reporting this to my credit at this time. XXXX and XXXX have deleted all records of these accounts because they were opened as a result of identity theft. How can XXXX and XXXX get a different dispute result for the same dispute I am sending to Equifax?
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CA)

Earlier this XXXX, I saw a promotion offered by Bank of the West. They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of up to {$150.00}. Please see attached " offer detail.jpg ''. I thought it was good deal and applied for it right away. According to the offer term, I had to complete 10 debit card transactions in following two months. The {$50.00} bonus would be paid by XX/XX/XXXX. I have completed their 10 debit card transactions requirement by XX/XX/XXXX. Bank of the West, however, does n't honor this bonus as of today.
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sonnenschein Financial Services, Inc. (WI)

I have owned this timeshare with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  since   XXXX  . At the time of the purchase the sales reps told me it would increase in value. This, they told me, was a certainty. At the time of purchase the sales reps also told me I would be able to sell it with no problem. The timeshare is now paid for. I have tried to sell it on mor e than one occasion. These attempts have resulted in further monetary loss and no sale. The two  big selling points for me have proven to be lies told by the sales reps to make the sale. I am now  XXXX   years old.  I am no longer able to travel and can no longer use this timeshare for a multitude of reasons. Because I can not sell it and the maintenance fees have proven to be a hardship, I want the contract canceled now.  XXXX  will be able to put this timeshare back in inventory and sell it again. It is to their financial advantage to do so. They will have revenue from the sale, the mortgage, maintenance fees, and other fees that I will not be paying for any longer. I want the paperwork to cancel this timeshare. I have contacted them about relinquishment but they refuse to listen and furthermore state that they do not accept relinquishment. My last letter to  XXXX  and  Sonnenschein Financial was mild and considerate and nice in my elderly-lady way. Sonnenschein Financial  is demanding I pay maintenance fees and other fees on this timeshare I have owned for 25 years. I am not paying anybody anything. The timeshare is paid off. It is paid for. I owe no more money on the contract. It is paid in full. There is no past due amount as the note is paid in full. I own this. It is mine. Paid. Off. I am not paying the maintenance fees. I am not paying any fees ever again. I will accept the  Mutual Release they spoke about in their last letter with these provisions : 1. I will pay them no money. 2. They will not damage my credit in anyway. 3.  I ask for no refund since I have had this timeshare for 25 years.