davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Diverse Funding Associates LLC (AZ)

My account with XXXX XXXX was given to C & E Acquisitions the company transferred the file to XXXX XXXX XXXX, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. XXXX XXXX XXXX threaten on several occasions to take legal actions. So I have filed a complaint with AZDFI over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was activated XXXX times during the time in which I had the account.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation (TX)

I have no recollection of this collection. UNITED REVENUE CORP. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Received information on CFPB website to contact Transunion via general number. Each time I call number, a very nice but uninformed person in XXXX answers and transfers me to several colleagues in same office before they transfer me to someone " State-side ''. The person in the US then transfers me to a voicemail or a recorded message that disconnects before I can even leave a message. I have been on this rotation for about 6-7 months. I have yet to receive a call from anyone despite leaving messages when I was able to do so. Furthermore, I have sent emails to : XXXXXXXXXXXX on many occasions over the past 3 months and never received a reply. There has been no correspondence other than an email when I dispute online using a form that requires me to enter credit bureau account information that I do not have access to. Additionally, I have inquiries on my credit report that were not authorized. There are remarks on accounts that are not in dispute.
Consumer complaint received 2016-03-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NY)

I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month. 

I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me. 

Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I submitted a credit card payment to XXXX XXXX XXXX 

XXXX days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this XXXX year account, and it was my oldest account which I kept in good standing since XXXX. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for XXXX  years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried to reach Experian credit bureau multiple times and they haven't updated my personal information. They have address listed on my credit report that doesn't belong to me- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I called in, I faxed, I did everything that I could, I've exhausted all resources! But it's still there... 

Can you please help me out to get it resolved.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved. 
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail. 
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (KY)

During Covid I was hospitalized for approximately three months starting on XX/XX/XXXX. XXXX. On initial hospitalization my insurance switched from my previous employer to state of Kentucky Medicaid. The initial start date of the Medicaid was incorrect which later caused some issues between my previous insurance and Medicaid as to who was going to cover the hospital expenses. This took over a year to correct with medicaid finally being backdated to reflect the correct start date of coverage. All medical companies that were affected, and still waiting for insurance to cover the bills, were notified to resubmit to Medicaid. Some companies grew impatient and submitted claims to debt collectors which in turn filed claims against my credit rating. Additionally, debt collector - Merchants Credit Guide - began harassing phone calls several times a day concerning a {$300.00} dollar debt to XXXX XXXX XXXX XXXX Kentucky which is part of the XXXX XXXX XXXX XXXX. It got to the point where I didnt answer the calls and turned off my voicemail. Both the XXXX XXXX and XXXX XXXX were made aware of my situation by both myself and the XXXX Kentucky Health Department, yet XXXX XXXX forwarded my dept to a collection agency. XXXX credit brings my XXXX credit rating to just below XXXX. Its frustrating and aggravating they can do this and I want them to remove the blemish affecting my credit rating and to stop the phone calls! It will likely take 3 to 4 weeks for Insurance to process the claim so knock it off!
Consumer complaint received 2022-06-22
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ACCOUNT- XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-16
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. (NJ)

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-06-21
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. (TX)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX Account # XXXX
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a notice from XXXX XXXX increasing my Credit Card APR for not making a payment for the last 60 days. I was also reported to the credit bureau 60 days late. I have spotless credit and have worked hard to keep it that way. I just refinanced my auto loan with Bank of America. I need you to look into the matter concerning the recurring bill pay for XX/XX/XXXX that was not paid and the payment in XX/XX/XXXX that was cancelled ( not by me ). Please provide me and XXXX XXXX and explanation and kindly request to XXXX bank they remove the 60 days late as this was not my fault but a glitch in your system.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX keeps trying to collect on a debt for XXXX XXXX and has reported it on my Transunion credit report repeatedly. I am XXXX and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities in XX/XX/XXXX, XXXX XXXX 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX XXXX reopened the same collection on all XXXX of my credit reports under a XX/XX/XXXX date. I disputed them again and all but TransUnion has removed them from my report. I am XXXX and have been covered by XXXX since XX/XX/XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XXXX I was alerted that my account had been restricted with navy federal credit union. I was not given any information to why however I know exactly what is going on. On XX/XX/30 I accepted payment to my business account via wire transfer, before their items were even delivered they were demanding a refund. I have a signed contract and tracking information I provided to navy fed along with a security appeal form. Turns out after a quick search this women is a known scammer who tries to buy high end items then get a refund and keep the items and sell them on XXXX and other marketplaces. She tried to tell me that I sent her a piece of paper instead of a horse therapy device before the device was even delivered to her. I believe she accidentally got her scams crossed. My contract states that I will only provide a refund after the item is returned to me in unopened condition, and the refund is issued by the manufacturer via a cashiers check. She signed this. She marked my wire deposit as fraud and navy federal instantly locked all of my accounts. Not just my business, leaving me with absolutely no money. I also sent them screen shots of other people complaining and warning of the same type of experience with this woman. I have no access to any funds. And they will not give me any information. I requested for my account to just be closed and withdraw cash from my account as I literally can not feed my children, I can not run my business, I can not even get gas. Navy federal did not even give me an explanation why my account was restricted, however this is the only possible incident I could possibly think of. They requested more info from me via a form without telling me the details. They wont communicate. I asked to speak to the department and was literally denied saying they wont talk till I submit the form, which I had emailed to them twice. I have read numerous articles on forums saying they are notorious for not replying to these appeals for months even up to 4 years for one gentlemen. I am literally left without a XXXX. A wire authorization form was filled out to send this payment, I even sent them a copy of that. Immediate action should be taken to protect their members livelihoods. They have left me in limbo with no communication and without access to my money. All because of a scammer trying to trick them. This was not a card dispute or even ach. This was a verified wire. I am appalled and a young single mom with XXXX children. I serve my country and trusted this bank to not only protect me, but at the bare minimum communicate. At this point they are holding my funds with no reasoning. 

I even submitted a police report in this XXXX XXXX and sent them the incident report number. I am being treated horribly.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX / XX/XX/XXXX, I had XXXX Bank of America ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. Thank You.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

I am unable to log in to the XXXX website : XXXX. I attempt to reset my password ; but, it tells me that one of my security information questions is incorrect ; which it is not ( the model of my first car ). Their reply was : Our records indicate the security questions you are prompted to answer are based on the bureau information provided by Experian. Should you feel the answers are incorrect we would suggest you contact Experian to discuss the responses. The may be reached at ( XXXX ) XXXX. Their website also states this number to speak to a representative, which there is no option through their IVR. That is inexcusable. Flat out, they are reporting the model of my first car on my public record as inaccurate and I need it fixed! I need to have someone from Experian call me to fix this.