davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NY)

An account was opened under my name with XXXX XXXX issued by XXXX XXXX.. I am afraid I may be a victim of identity theft. I am not aware of this account at all and I tried to dispute these accounts but they came back as verified. They are still sending me statements and I don't know what to do. If something was ordered where was the merchandise sent? they claimed i bought two pair of sneakers. I got the statement again and it included a late fee this time.
Consumer complaint received 2019-02-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-02-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC (SC)

PMAB LLC has been calling me weekly about bills from XXXX XXXX XXXX Hospital. I filed a complaint with the Medical Director, of the hospital, because of inappropriate treatment in the Emergency Room. I  was told that the charges {$54.00} and {$500.00} would be removed from my account. Last year PMAB started calling me and I informed them about this issue and told them to stop calling me. I also explained that I am living in Social Security in a HUD subsidized building and an trying to get my medical expenses corrected. They haven't stopped calling, plus my XXXX credit score has gone down 36 points. I filed a dispute with XXXX and they removed the accounts from my file. I want to stop the phone and mail harrassment. All the accounts they have are medical. Please help me.
Consumer complaint received 2022-01-22
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. (UT)

I have notified Experian on XXXX different occasions to verify my XXXX XXXX XXXX as being accurate. There are multiple months that are being reported inaccurate across the XXXX credit reporting bureaus. XXXX could not verify the information within the first 30 days and subsequently deleted the Student Loans from their Report. XXXX couldn't verify the information within the first 30 days and subsequently updated the records to ALL MONTHS ON TIME. Experian after XXXX plus days continue to respond through their website correspondence with me after XXXX days " verification '' process that the reporting agency has verified information as being accurate? How is this possible that EXPERIAN is always the only Credit Bureau that MIRACULOUSLY pulls out of their magic hat a verification from every creditor that information is verified???!!!! I find that EXPERIAN falsifies their methods of verification due to being lazy as well as just lying to consumers! This has hurt my ability to obtain credit.
Consumer complaint received 2018-08-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (CA)

In XXXX, I was overseas, and was not allowed access to m account since I had missed a payment. I HAD to make a payment. In XXXX and some of XXXX, after my motorcycle accident, I was only able to live off my XXXX PENSION FROM THE GOVERNMENT, ( which Navy Federal Credit Union is taking still, even though it is exempt, this shows up as XXXX XXXX on my deposits ) they still were restricting access unless I made a payment. While recovering from the accident, XXXX of my XXXX check were going to XXXX XXXX, and I was left to use roughly {$100.00} I had left to work with for the month. In other words, they made me pay them with the XXXX check I was getting just so I could have access to my account. https : XXXX I then learned it was always illegal for Navy Federal credit union to restrict access. I have since had phone calls with Navy Federal concerning getting compensated, as I feel I am owed. For some reason, they can never seem to know or remember what I am referring to. They said they would look into my issue over a year ago on the phone, and I have never heard anything back.
Consumer complaint received 2019-02-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WILLOW BEND MORTGAGE (TX)

We have an interim construction loan with Willow Bend Mortgage. They released {$22000.00} to our builder at closing ( XX/XX/18 ) without our knowledge. They informed us on the closing disclosure during the closing process. However, they did not verbally inform us and we missed the fine print. 
The builder requested a second draw ( XX/XX/18 ) which we approved thinking it was the first draw. The mortgage company did not require the builder to provide any invoices, paid permits, or any kind of proof that the first draw had been used according to the draw schedule. At the time he requested the second draw he had used {$2100.00} towards our property of the {$22000.00} he received. Additionally he received {$5000.00} earnest money. 
The mortgage company has defend the builder and applied no pressure for an accounting of the money drawn ( {$39000.00} ) their stance is I know it seems like a lot of money to you but its only 7 % of your loan its not our job to go knocking on peoples doors to get your money back this is between you and the builder Our issue with the bank is that they gave him the second draw without any documentation that the first draw was used appropriately. We understand with the first draw its an upfront draw so there isnt any proof required with that first soft draw. However, with the second draw there should have been some type of checks and balance system in place.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Can not get credit report after placing freezes on accounts with bureaus ... victim of identity theft and fraudulent accounts being opened ... ..my middle initial is incorrect corresponding with my social security ... .somehow the identity theft has changed my legal name.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

Ocwen Loan Servicing failed to resolve unfair deceptive issues before they transferred or sold my mortgage to XXXX XXXX XXXX. I requested loan remodification under the Harp Program when I took very ill and missed 2 payments. Instead Ocwen inaccurately adjusted my mortgage to a higher amount ( initially XXXX XXXX-payment {$300.00} for 240 months at 9.90 % interest rate ; in XX/XX/XXXX-balance of {$36000.00} was modified by Ocwen ),  did their own modification, and did not apply my previous payments of over 10 years prior. After months of inquiries and unresolved complaints, Ocwen transferred my mortgage. My mortgage suppose to be {$0.00} this year. After I inquired to my current mortgager, XXXX XXXX XXXX of final payment, I was informed they had to investigate and review file as mortgage info was confusing and not accurate in file. Now again, XXXX is transferring mortgage to another company also. I never missed but 2 payments which was in XX/XX/XXXXwhen I became ill ( was on XXXX ) and those payments were brought current in XX/XX/XXXX.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (CA)

I purchased an XXXX  for {$180.00} on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the reservation for a 50 % refund. I was unhappy with a 50 % refund, so I started a dispute with CITI. 

On XX/XX/XXXX, I received a notice from CITI that they were going to reverse the dispute and charged me {$93.00}. A {$90.00} refund had been received but I had also received a {$93.00} penalty, so I ended up paying more than the cost of the XXXX  for something that I had cancelled and received services from.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I sent a complaints on my consumer report, on how I had inaccurate Information reporting! This account is keep updating INACCURATE INFORMATION and This is causing me harm and affecting my ability to purchase a house! 
According t

o 15 usc 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to. And 1681i ( 5 )! 


PLEASE REMOVE THIS ACCOUNT SO MANY ERRORS REPORTING ON THIS ACCOUNT HOW IS THAT THIS ACCOUNT IS REPORTING AS A CHARGEOFF IN XX/XX/XXXX and was CLOSED SINCE XXXX of XXXX but still reporting ontime payment! Also in the comments section its reporting account closed by consumer but still reporting CHARGEOFF. 
Please remove from consumer report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.
Consumer complaint received 2019-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (IL)

For ten years I have had my current phone number. From the beginning it has been on some collection list that gets passed around from year to year. The latest is mercantile adjustment XXXX. If they are calling us, it is because they have some 10+ year old debt sheet that they are harassing people with. Please return the favor. Here 's their contact info. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018 he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted to XXXX XXXX XXXX via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three ( 3 ) credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three ( 3 ) credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX XXXX XX/XX/XXXX Money Order # XXXX
Consumer complaint received 2018-12-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to XXXX XXXX XXXX to send me Validation of this account. not verification but Validation with my original contract with my signature on it. This company is highly negative on my credit report. I am request that they remove this account from my credit report. I called XXXX and spoke with XXXX on XX/XX/2018he informed me that this company no longer have information on this account that it was sent to a collection agency. Please remove this unverifiable account immediately.
Consumer complaint received 2018-12-17
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hi, good day. Please read and take this complaint seriously as there is erroneous information on my credit report which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (MI)

Tried to make payment on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX program online but was unable to on its website. Called to make payment and was unable to due to my account being " locked '' and was told I would have to make payment at a store that was not available at my current location. This store card is a scam that should be blocked by the service member civil relief act.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXXXXXX XXXX  and have not had any success. 
They all need to be removed from all three credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX5 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681 s-2a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (GA)

On XX/XX/2021, my XXXX bank account was hacked. The scammers accessed several accounts and reversed payments from different merchants I paid in full. One of the payments that reversed was for a company called OPPloans. On XX/XX/XXXX, I called XXXX to change the {$390.00} reversal claim because it was fraudulent. XX/XX/2021, I contacted an Oppsloans representative named XXXX XXXX in the customer complaints department. Because I was charged for two loans, I called the bank to stop paying for the other loan I was waiting to clear through Visa. Five Months passed, I continued to check my bank and my Opploans account to see if it had been credited in any of the two versions. I filed a complaint with the consumer protection bureau against XXXX in XXXX. XXXX investigated my complaint and revealed that Opploans had been credited the money over 45 days ago, but my Opploans account remained the same. I am a long-time customer of OPPloans, and I feel mistreated. I wonder if they treat other customers in similar situations the same way. The way I am being treated is unethical and immoral.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MS)

My home is in foreclosure and in order to get help I need a statement from my finance company in which I've been unable to get and my finance company say they are unable to provide. I haven't received a statement since XX/XX/2018. And I need this to get help with the foreclosure.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

XXXX is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.