davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (CA)

I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from XXXX, XXXX or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : Factual Data Credit Department XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX Dear Factual Data, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, XXXX and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK (AR)

Cadence bank has illegally charged me overdraft fees after I requested several times for them not to allow my account to be overdrafted. However recently this month they reversed a dispute which I submitted along with photographic evidence. Well their claims support contacted me and said that when I emailed them photographic proof of the {$72.00} which I had to file a dispute against Zip after I was told I had a few weeks by zip to make a payment arrangement and then overdrafted after zip unethicaly and unauthorized the very next day. To add insult to injury the case i was originally awarded by Bankcorp South for back in XXXX was overturned and dishonestly reversed when Bankcorp south merged with Cadence. They said their support team never included the screenshots as proof of this, which is highly dishonest and beyond unethical. If I had the money right now I'd take them to court in small claims and sue them for the maximum allotted amount because that's stealing and beyond dishonest.
Consumer complaint received 2023-04-17
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. (CA)

Transunion XX/XX/23 file # XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I send the FTC affidavit with the police reports and this accounts and the fraudulent inquires listed as fraudulent and I demand to be removed right away. i also filed a complaint with the XXXX for the not removing this account in XXXX and again in XXXX. Those accounts were not removed within the time allowed by law.
Consumer complaint received 2023-04-14
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. (TX)

I disputed XXXX XXXX XXXX account on my credit report and asked for a contract. Transunion and the creditor opened this account and reported this account late. It took dropped my credit score by XXXX XXXX and my on-time payment went from 100 percent to 99 percent. The company can not falsify the status of this account and change the statues from closed to open if the account is closed. 

Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 
Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has been refusing to remove this illegal account from my consumer reports. Now they have sold this alleged debt to XXXX XXXX XXXX, yet Capital One continues to report this account as if they still own it. They have been illegally trying to collect on a debt that is no longer theirs.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (PA)

I had an FHA Mortgage with Ditech. I refinanced through a different lender, XXXX XXXX XXXX XXXX. A payoff letter was requested from Ditech dated XX/XX/XXXX and it listed a principal amount of {$180000.00}, interest of {$750.00} and Pro-Rated Mortgage Insurance Premiums of {$250.00} totaling {$180000.00}. It stated the amount was good through XX/XX/XXXX. As of XX/XX/XXXX my Escrow account had {$1200.00} in it. On XX/XX/XXXX XXXX paid an MIP/PMI of {$120.00} from my Escrow account. After receiving the total amount requested in the payoff letter on XX/XX/XXXX Ditech sent me a letter stating they would pay outthe remainig amount from my escrow account within 20 days. On XX/XX/XXXX they added {$310.00} into my Escrow account and then cut me an escrow refund of {$1200.00} on XX/XX/XXXX. When I had not received it leaving a balance of {$120.00}. When I  called Ditech about the remaining amount they said it would cut to me on XX/XX/XXXX which is the 30 day mark to close the escrow account out. I had not received the check on Monday, XX/XX/XXXX and went on line to look at my account and saw that Ditech took the remaining {$120.00} for another MIP/PMI payment. This totals 4 MIP/PMI payments that they have taken for the close of my mortgage. I called and spoke to customer service on XX/XX/XXXX and was told that MIP/PMI payments were always 2 months in arrears. I  know when took this mortgage out originally I had to pay two MIP/PMI payments up front at that closing in XX/XX/XXXX. Now they say I could send it in writing to the Customer Service Department but they wo n't refund that money because they never do. This is outrageous that they take money that is not due to them and get away with it.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX 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. This company has stated numerous times I have no account with them, so reporting to my credit report is illegal. Ive tried to solve this problem several times with all three credit bureaus. First I was sent someone elses personal information which is a violation under the FCRA. This account has stated, I have no account with them so please remove this account from my credit report.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (NY)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

I wired my payoff to the mortgage company on XX/XX/2023. That following week they did not know where my money was at. Finally after a week of waiting I spoke to another agent who found the funds and told me they would take care of it. They have reported to credit bureaus that I am delinquent. They ended up returning my wore transfer and now I seem to not be getting anywhere with them. The mortgage company is PHH Mortgage. I called a lawyer in XXXX Kansas and they referred I make a complaint with you folks.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I received a credit alert from XXXX stating that my credit was accessed. I immediately logged in to see that Bank Of America has accessed my credit report. Concerned that an account was open in my name I contacted bank of America right away by calling XXXX XXXX XXXX. I spoke to a lady by the name of XXXX she looked up my account using my social and stated no account as open and that she did not see an application on file. I thanked her for her time. on XX/XX/year> I received a second alert from XXXX about bank of America. I called them and was told the same thing. I asked them to remove the inquiry from the account. They told me there was no need to remove an inquiry as there was not account inquiry on file. Yesterday, XX/XX/year> I received a letter stating they had declined my application for an XXXX  XXXX credit card.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CT)

In XXXX I tried to get XXXX XXXX XXXX  fiber optics internet in the apartment I was moving into in California. The representative I was speaking with got early access to my apartment to set up the internet for me prior to my arrival, however, he informed me that the fiber optics in my unit were not properly installed and so I couldn't get XXXX XXXX XXXX internet. I assumed he would cancel my XXXX XXXX XXXX plan as I was unable to get internet form them however this was not the case and I was charged. I called them letting them know about the situation and they rightfully erased those charges. At the end of the summer I got a new charge from XXXX XXXX XXXX for a modem and router which I never received as I was unable to get XXXX XXXX XXXX installed in my apartment. I was told this would be taken care of and months later received a notice that the debt was now sold to a debt collector and I now owed them money. I reached out again to XXXX XXXX XXXX two times since and they have been unable to resolve this issue for me. I recently got another email from a new debt collector who I am not sure is even legit. They have the address I lived at and the amount correct however their email format looks like it was made in XXXX XXXX.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (MD)

I filed a dispute with your agency on XX/XX/2023, which referenced two ( 2 ) accounts erroneously being reported on my credit report. As of today, I have not received a response from your agency regarding the dispute results, despite the fact that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to respond to disputes within 30 to 45 days.

I would like to remind you that under the FCRA, if a credit reporting agency fails to respond to a dispute within the required time frame, the disputed account must be deleted from my credit report. Given that it has been more than 45 days since I filed the dispute, I am requesting that the disputed account be deleted from my credit report in accordance with the FCRA. 

The accounts that were disputed are as follows : XXXX XXXX XXXX, account # XXXX. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this account. 

XXXX XXXX XXXX, account {>= $1,000,000}. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector own this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this account
Consumer complaint received 2023-04-14
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)

The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.
Consumer complaint received 2023-04-14
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. (TX)

The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.
Consumer complaint received 2023-04-14
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. (GA)

I recently received a copy of my credit report and found many violations that you are illegally reporting inaccurately about me. The following alleged accounts listed as collections with PAST DUE balances. Please review the following : Account Name - XXXX XXXX Account # XXXX Showing past due balance of {$7400.00} as of XX/XX/2023 Account Name XXXX XXXXXXXX Account # XXXX Showing past due balance of {$1900.00} as of XX/XX/2023 Account Name XXXX XXXX  Account # XXXX Showing past due balance of {$1100.00} as of XX/XX/2023 Account Name XXXX XXXX  Account XXXX XXXX Showing past due balance of {$27000.00} as of XX/XX/2023 These accounts that are reported is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards.

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 Section 602 A. States I have 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 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The info about the XXXX XXXX XXXX that supposedly went into default in XXXX is incorrect. The date of first delinquency of that loan is XXXX, There was no payments made for over a year prior to the next enrollment in school. This is going to be a court battle if you do not accurately reflect this account with the first delinquency being the actual first delinquency. Your records are wrong. This loan should have been removed long ago but at the latest by XX/XX/XXXX. Your payment history and delinquency dates are incorrect. I am asking you for the final time before I take legal action to report this loan accurately. I have the numerous investigations done by Transunion which show that this was to be removed XX/XX/XXXX when I asked Transunion when they would remove it since the date was approaching, they resubmitted a request for information to you, where you provided information that was inaccurate ; pushing the removal date from XXXX to XXXX which is incorrect based on 1st delinquency - The previous investigation and records you provided to transunion was that this loan would be removed by XXXX All other reporting agencies have taken care of this account.
Consumer complaint received 2023-04-17
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. (DC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

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Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (FL)

To who it may concern, Im addressing this complaint to Total Visa on XX/XX/XXXX my car was broken into my purse was stolen, including my phone my wallet, oh my credit cards, password book everything my entire life on the same day I placed another report with the police besides the fact, but stepped on my identity I tried to let Total Visa know that my card my account is compromised due to the fact that my password book was gone and the credit card was also gone and my phone. Well they decided to close my account after I even reported it to the FTC their report number is, XXXX. I dont feel like I should be punished because Im a victim, identity fact, and that my account got closed. With no warning
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello, I sent in multiple letters to equifax, XXXX, XXXX XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.