davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

I had no clue there was anything being reported on my Credit Report until I tried to apply for a apartment. I have never had credit or tried to apply for anything until now and Oh my gosh! Equifax Information Services has been reporting negative inaccurate information in my credit file. I thought upon doing further research that I could reach out to them and get these things removed. Well that is not the case at all. I 've been disputing with this company for over 6 months to get this information removed and they refuse. I have asked them to remove any name that I have not provided due to false information reported on my credit report. I have also asked them to remove inquiries that are not mine permanently. They stated that the information was verified and it belongs to me which I do n't understand because if they have verification then why have n't they sent me copies of it? I have ask for a investigation and documentation in a timely manner. I have called, emailed, mailed and faxed. And still being ignored with no verification or documentation. Under the Fair Credit Reporting Act, If the consumer disputes anything and it ca n't be verified within 30 days, Then it must be removed. I did not authorize anyone employed by these companies to view my credit reports. The letters they have sent to me claim to have 'verified ' this information '', but this is in fact not true under law. It has been past 45 days and nothing. Now I will be suing Equifax as well as anyone on my credit report with false inquiries for causing me damages such as denial of credit, denial of renting and increased insurance premiums.I should not have to be inspector gadget to try to track people down and figure out where these false thing on my credit report came from.I can not even buy a house right now if I wanted to. I have provided more than sufficient evidence to get these false inquires and names and addresses removed. Such as a copy of my State Issued Id and Social Security Card in addition to a Utility bill in my name verifying my address. I have filed this complaint with hopes of Equifax actually being an company with integrity and reporting accurately. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against Equifax and Companies on my credit report for violation of the Fair Credit Reporting Act and Defamation. This is my last resort and I 'm seeking monetary relief for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. It is not ok to blow people off and effect there lives in a negative way this is my personal information and if they have access to it. Then it should be reported accurately. Not cool.
Consumer complaint received 2016-07-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My husband was a XXXX as a result of XXXX. I had a lot of bills to pay after he passed and failed to cash XXXX checks and found them last year as I was cleaning up my home. I contacted OCWEN and was told by OCWEN to submit the checks to be reissued which I did on XXXX XXXX, XXXX ( attached ). Over a year went by and I got no response. I contacted them again earlier this year and finally received a response from them dated XXXX XXXX, XXXX ( attached ). In my view their response is purposely very confusing and they claim my ( by then ) dead husband had confirmed receipt in XX/XX/XXXX and as such they are refusing to reissue my checks and refusing to send me the money which is rightfully mine. We are talking over {$12000.00}. I just sent them another letter today asking them to reissue the checks and pointing out my husband was dead when they claim he confirmed receipt. Regardless of whether the checks had been received none were ever cashed and they have my money to this day.
Consumer complaint received 2016-07-27
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I got a loan with one main financial in XXXX XXXX, I left my job for another XXXX. The payments were coming out of my bank account. I told them I no longer worked there I make less money and would be coming in to make payments. I got a local job asked them to lower my payments they were {$250.00}. I called the XXXX # the lady told me I had to go in the office and fill out paperwork for insurance. I did n't fill out insurance paperwork, but was threatened by XXXX XXXX of the girlsif I did n't come in and pay {$230.00} they would take me to court. I borrowed money and went in, XXXX XXXX of the girls XXXX XXXX ) told me all I had to pay was XXXX. I once again asked for lower payments I get {$150.00} all together in child support {$45.00} for 3weeks I turned this information in to them. I asked them if they would take partial payments since all together at the end of the month I have all the money. They no longer take partial payments. Once I get the money they have put a late fee on it, I 'm short of the money. I have explained this to XXXX who told me she had nothing to do with the late fee. I explained this to XXXX, XXXX I told them I would try to come up with the some money by Friday XXXX/XXXX/2016 they have called me every day. I won money from a pick XXXX when I made my last payment and I told them that. On XXXX/XXXX/2016 I had to once again tell XXXX I was out of work because my client passed away in XXXX and I have the obituary with my name on it. What did I pay insurance for, why they did n't change the date of my payments to keep from having a late fee? Why lie and tell me I had to pay XXXX fee and I go in someone tell me something different? I filed a complaint with XXXX I have not heard anything back. They have violated my consumer rights and being harassed.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

Experian refuses to properly report student loans with XXXX and XXXX as being paid in full, closed, in good standing, with zero balance. These loans have been discharged by the XXXX and XXXX, and I have communicated this information to Experian and provided documentary proof. Yet Experian continues to fail to properly report these loans. I am once again attaching proof.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

It was brought to my attention on XXXX2016 when my insurance company called me at work that they have not receive the XXXX renewal payment. They also advise me they had sent the lender a 30day notice of the renewal payment. The insurance company put me on hold but then had to call me back. And when they called me back they advised me the lender advised them they are sending a over night check to them for Friday, ( which is the cut date,XX/XX/XXXX2016, for my insurance renewal ). I advise the insurance I would call the lender in the morning to confirm the funds would be going out. 

My lender did not send my insurance company my payment for my renewal of my homeowner insurance on time due to that they updated their system and lost the data information for the insurance company for my home. I was advised this per a service manager that I spoke on XXXX/XXXX/2016. I was also advised " Sorry, but there was nothing they can do, maybe you can pay a monthly payment so you wo n't lose your insurance ''. I pay extra to have my XXXX and taxes include in my payment in my mortgage payment and the lender is going to ask me to put out more money for their error. The lender had lied to the insurance company. I was advise by the service manager that it would take XXXX 7 days before any funds could be directed out, and by that time my policy will have been canceled. I asked my lender again ; " How can you help me as your borrower, your customer since this is your error, your mistake ''? They told me ; " We are sorry, there is nothing we can do, but you have 90 days to get your insurance information to us ''. I need help please, someone needs to do something!
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am filing this complaint against Transunion because they are not removing unauthorized inquires that do not have a permissible purpose. 

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : These creditors did not have permissible purpose to pull my credit. I did not engage them nor did they extend any lines of credit to me. 
Under U.S.C 1681n if the following inquiries are not removed from my reports since there was no permissible purpose I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
You have violated the FCRA Section 1681b ( c ) Since you have listed this inquiry against me I am requesting that you either mail me a copy of my signed authorization form that gave the creditor the right to view my credit within ( 5 ) business days so that I can verify its validity. A request has also been sent to the creditor and they have not responded. 
Your failure to comply with my request within five ( 5 ) business days will be my evidence to use in Federal Court of your willful noncompliance [ 15 U.S.C 1681n ] and I will be seeking all damages listed above. 

the following inquiries do not meet FCRA guidelines and need to be removed immediately. 

1. XXXX. I do not have a car loan with them and never applied. My loan is financed through my bank. 
2. XXXX Never heard of them and I do not have any credit with them. 
3. XXXX. Never heard of them and do not have credit with them. 
4. XXXX. I do not know who these guys are and I do not have credit with them. 
5. XXXX. I have no idea who they are and I do not have any lines of credit with them. 

These are unauthorized inquiries and I asking for the 4th time that these be deleted from my credit report. Failure do so will result in my filing a complaint with the FTC.
Consumer complaint received 2016-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OK)

This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another XXXX of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XXXX XXXX, XXXX, when my last credit report pulled was XXXX XXXX, XXXX and they were no where to be found.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

To whom it may concern, SPS I did all I know to do to resolve this issue, I went to my lender got help per divorce degree I was given one year to get the mortgage out of my ex-husband 's name. My modified loan was given to me on my income I have been with XXXX staff for 11 years, The bank required my divorce papers to let me continue with my modification I started with only my income and the payments were done off of that, My ex-husband would have never qualified he makes XXXX to XXXX, I have done everything the bank asked, he quick deeded his interest I pay the taxes I am the only one since XX/XX/XXXX who has tried to take care of this, At this moment NV is flooding my house has water up to the subfloors for 15 yrs I kept flood insurance, since I 'm unable to get homeowners insurance and I 'm unable to continue with a modification that was illegally canceled per court order I 'm left again me and my house held hostage by my servicer, I had no idea a bank or a servicer did not need to obey a court order from the state of NV. I will go get my divorce papers modified, my ex-husband will be held liable for going against the court order and for my servicer I have never turned my back on you or my mortgage, I just never knew a servicer did not need to follow the same law as I do. I am sorry we could not fix this sooner. I will write to my NV congressman and ask why judges write such orders in divorce and servicers and lenders do not need to obey the laws that all of us in America half to obey or go to jail. I never stopped trying to fix this mess I could have done so years ago why no one from SPS or XXXX told me about what my ex-husband had done with our mortgage I would have fixed it please understand my frustration. 
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (OH)

XX/XX/XXXX I received a collection notice from I.C. Systems, Inc. trying to collect a debt from XXXX. The letter was in my name but sent to an address I have never been to or lived at, then crossed out & forwarded to where I do live. I tried to contact them to resolve this & got no where. I have since received more letters, the latest XX/XX/2016. I called I.C. Systems on XX/XX/XXXX AGAIN, spoke to XXXX. She informed me I needed to call XXXX, which I did. I spoke to XXXX at XXXX, he looked up the account & verified that neither my ID, social security nor my address matched what they had & felt that I.C. Systems is sending this to the incorrect party. He instructed me to call I.C. Systems back & relay this info & tell them they need to stop contacting me since they are not doing their job correctly and if not I should file a complaint against them. Approx. XXXX., I called I.C. Systems back & spoke to XXXX. He was very adamant about not wanting to hear my explanation & said it was out of their hands, that XXXX was handling it. I told him that was false, I just got off the phone with them & would like them to stop sending these & he preceded to hang up on me.
Consumer complaint received 2020-06-15
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 applied for the XXXX credit card today XX/XX/2020 and I was not approved because I guess there are accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. I did not open any of these accounts nor did I give anyone permission to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from those accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had a gym membership with the fitness club XXXX at XXXX XXXX XXXX in XXXX XXXX. I wanted to cancel my membership for an end date on XX/XX/2016. I understand that XXXX has a 30-day membership cancellation policy. I worked with a representative to process my cancellation in XX/XX/XXXX. However, on XX/XX/2016, I was charged {$160.00} on my credit card with American Express. I spoke with manager and representatives of the gym multiple times over the next week ( XX/XX/XXXX to XX/XX/XXXX ) regarding the cancellation. The manager said they did not have documentation of the cancellation and refused to remove the charge. I called my credit card company on XX/XX/2016 to file a charge dispute. My credit card company denied my dispute and cited the reason as the merchant refusing to return the {$160.00} because the merchant could not find the documentation for my cancellation, which is the reason the dispute was even happening. 

I feel this is a very unjust ruling against me with no protection for the consumer. Decisions regarding transactions are entirely with the merchant and the consumer has no protection if the merchant is at fault. I tried my best to resolve the issue and spoke with the merchant in XX/XX/XXXX in order to reverse the fee that was meant for XX/XX/XXXX. After the merchant denied my request, I spoke to my credit card company as quickly as possible. I did not use the membership at all for XX/XX/XXXX. I have tried to be timely in communicating with all parties and it feels like any merchant is able to charge me whatever amount they want with no way to fighting back.
Consumer complaint received 2016-11-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (AZ)

1 ) Obtained Ford auto loan - both of us with XXXX credit scores, made XXXX payments on time. 40 years of sterling credit/NOT XXXX LATE PAYMENT. 
2 ) My husband signed up for paperless, payments were made monthly online and on time. 
3 ) My husband died and I continued to use his log in and made the payments, in addition to notifying Ford Credit of my contact information and his death. 
4 ) I made the final payment on time, with a typo ( they are claiming ) for exactly {$100.00} less than the required final payment. I did not realize it was deficient until my credit score plunged by XXXX points. I immediately paid the {$100.00}. 
5 ) No notification to me ( even though they had my email and home addresses along with my cellular ) that the partial payment was " late '' as the account had been placed in the " death committee '' and I could not obtain information regarding the late payment. This was even after submitting his death certificate along with my appointment by the Court as his personal representative and my passport information. 
6 ) After hours on the telephone over a several day period to different departments, I finally convinced them that I was the person with the responsibility and right to information. They were going to send me proof of the 5 years of payments and my early submission of the final payment, even though it was deficient by an innocent error. I HAVE NEVER RECEIVED ANY INFORMATION FROM FORD CREDIT AFTER MY REQUEST ALMOST 2 MONTHS AGO. 
-Is the credit providing company required to send " late payment '' notification? 
-I know that Ford Credit will allow a " forgiveness '' to an unusual late payment for good credit. I could not get to them in time because they closed out the account during the time I was in the " death committee '' and before I could convince them that I had the right to work with them. They kept transferring me to the " committee '' that would not speak to me or give me any explanation.
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 I sent {$50.00} to my mother through Paypal. I sent the payment to my mothers cellphone and put the details in Paypal so that they could send her the money to her cellphone. My mother never received a text or notice on her Paypal account that the money was received. When I checked my account Paypal had sent the money to another person with an email that I do not know. I have been appealing to Paypal to refund the money that they sent it error and they have denied my request repeatedly. I opened another request to have the money sent to my mother and Paypal not only denied my request, but also blocked me from gaining access to the account again. My payment is now due and I Paypal is saying that I must pay this amount that this was my error and I have lost the money. I sent an email to the person that received the money in error and that person is also refusing to refund my money that Paypal sent her in error.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diverse Funding Associates LLC (NC)

I have contacted this company, XXXX in XX/XX/XXXX and XX/XX/XXXX and was informed on XX/XX/XXXX that the debt in question was bought by another company, Multi Source International on XX/XX/XXXX. So I sent a request to validate to the Multi Source International on XX/XX/XXXX and XXXX stated in a letter that they also forwarded the request. But to date, the company has not replied to my attempt to validate this debt that they claim belongs to me. But XXXX continues to report this in accurate debt on my credit file.
Consumer complaint received 2021-07-22
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)

I have been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.