davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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. (TX)

The same responds every time I file a complaint with your company the credit bureaus have ample time to make corrections to my credit report it has been years not days I will hand this over to an attorney since I still have not gotten a resolution to the issues raised with your company and the three credit bureaus I will be filing a law suit against your company and all three credit bureaus on this matter I have been unfairly treated and denied my right to fair credit far to long. I am not a profit margin for companies nor the credit bureaus I am a human asking for fair credit reporting and my rights for fairly respected and honored
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (AR)

My complaint is with Regions Bank in XXXX. My name is on the account with my mom. She passed away on XX/XX/2022. I took them a death certificate after she died and then i tried to close the account and they refused. They told me that i had to get the autopays to stop and then they would close it. I was having trouble getting that information on what was coming out and could not figure it out. I looked in boxes to try and find out where that information was to close them out. They have since told the XXXX XXXX XXXX and XXXX XXXX that I took the checks that the XXXX that I took that money out of that account and I have not used that account in months. I got that bill from that company stating XXXX of those checks equaling {$4100.00} for XXXX, XXXX, and XX/XX/2022 but not XX/XX/2022. My brother and I suspect fraud because something does not make sense to us. Thank you in advance.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (GA)

Hi so have sent in a letter on XX/XX/2023 asking them to remove this account under 15 U.S Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) this account in violation not reporting 100 % accurate.
Consumer complaint received 2023-04-05
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. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

PHH Mortgage has repeatedly improperly denied me for a loan modification. I have applied for a loan modification several times and each time I supported my application with financial documentation. On at least three occasions, I was only considered for two programsthe Helping Homeowners Modification, which I am apparently ineligible for because my account is greater than 90 days delinquent, and I was also reviewed for and denied for a streamlined modification even though I submitted financial documentation. It doesnt appear that PHH Mortgage even reviewed any of my income documentation, which shows that I can now afford to continue making payments. I would like to save my home and PHH Mortgage is refusing to work with me. I am submitting the denial letters that I received ( most recently dated XX/XX/2022 and XX/XX/2022 ) which mention that I was only reviewed for those two modification programs and show that PHH Mortgage did not consider my income.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NC)

According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, Equifax and XXXX is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, Equifax and XXXX Warm Regards XXXX XXXX
Consumer complaint received 2023-04-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I requested to verify account with National Credit Adjusters, ( NAC ), back in XX/XX/2022 with all 3 credit bureaus. NAC sent me a letter stated they received the request and one finish will send me out the investigation information. I understand Covid-19 was going on not to long afterwards so I gave NAC more time as they may need to send this information due to the circumstances. But it has been over a year and I've requested this with all 3 bureaus again and getting updates it verified but still have not been provide any information from neither the 3 credit bureaus and NCA. Latest i last requested was XX/XX/2022 and on my credit reports still shows disputing. MY addresses are up to date and have had forwarding included. This should not be acceptable. The FCRA gives the company 30 days to respond and I have not gotten a response.
Consumer complaint received 2023-03-29
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. (MO)

I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.
Consumer complaint received 2023-06-27
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: OneMain Finance Corporation (IA)

I found 2 hard inquires on my report and one main financial refuses to take them off! I called and spoke to XXXX from One Main Financial and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that! 
I also contacted XXXX today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help me!
Consumer complaint received 2023-03-29
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. (GA)

TransUnion stated my account was properly investigated and yet again returned back verified XX/XX/2023. But how is that possible if the said Bankruptcy is still reflecting the incorrect Docket # number which is an ERROR, also it violates the FCRA Laws that all credit bureau 's must report all consumer information with 100 % accuracy. and they have shown once again they are practicing predatory ways of not doing real investigations and they need to be thoroughly investigated themselves! It's not right when Consumers point out obvious or any valid errors and the credit bureau 's are allowed to keep making it harder for us to fix our credit along with getting our credit score hurt preventing consumers like my self to have any real purchasing power for our families by the neglect of them.
Consumer complaint received 2023-04-13
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. (SC)

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 2023-04-05
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. (FL)

In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the tri merge credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XX/XX/XXXX I was falsely XXXX on XXXX XXXX charge which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXX, AL and various hotels throughout my of Florida and Mississippi. In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXX XXXX which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with Transunion and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the 670 in the summer when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DE)

The problem ( pt. 1 ) The HAF program provided mortgage assistance and as of today the funds do not show as applied. There was an approval of funds for XXXX and XX/XX/XXXX mortgage payments. PHH has not credited the XXXX XXXX payment as of today, XX/XX/XXXX. My mortgage payment is currently showing 28 days past due, as a result. 

Attached is confirmation that the payments have not been applied and an email from PHH that Delaware HAF has requested information on my account. Which confirms they received communication regarding the approved payments. ( I received the exact same communication from PHH when HAF approved the original request in XX/XX/XXXX ). 

The problem ( pt. 2 ) After the Delaware HAF requested total amount to bring the account current in XXXX of XXXX, PHH assessed additional charges in XX/XX/XXXX and tacked them on to the monthly payment. Further increasing the monthly payment and consistently keep the account from arriving to a " normal '' payment state. 

PHH has assigned my account to 3 different relationship managers in the past 3 months, non of which has ever contact me via phone or email.
Consumer complaint received 2023-04-06
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. (OR)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I would like to know if information in my file has been used against me anyone who uses a credit report or another type of consumer report to deny my application for credit insurance or employment or take another adverse action against me must tell me and must give me the name address and phone number of the agency that provided the information I have the right to know what is in my file. Also all my court records are laid out in the open where anybody can see them as well as all my records all my criminal records my financial information as well as my medical information there's also open accounts as in like home loans car loans and etc and the information is still outgoing and they're still accounts opened it's very hard for me to
Consumer complaint received 2023-03-29
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My account was closed from XX/XX/2022, and they replied that they would write a check for my funds within 10 days, but it has been half a year, and every time I contact them, they perfunctorily make me wait indefinitely.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, I attempted a {$50000.00} transfer to my Citibank savings account to open the account from XXXX Bank after verification of the linked accounts. Citibank continued to email requesting a transfer for the account so I contacted Citibank XX/XX/XXXX to understand why the funds and account were not showing. Citibank informed me that they closed the account due to fraud as the transfer came from a joint account and that they would hold my funds until the account was closed. Since that time, I've been told that 1 ) they can not release the funds to me because it was a joint account and fraudulent funds, 2 ) to contact ally to initiate a transfer back ( which they can not do from a closed account ), and 3 ) that protocol is being followed over and over despite no one being able to tell me where my funds are or how to retrieve them. I have been transferred no less than a dozen times to multiple departments, placed on hold repeatedly because no one I've spoken to actually has the knowledge to handle a matter like this and I have been told there are no supervisors to speak to. This is unconscionable behavior by Citibank and no one should have to experience this.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

XXXXXXXX XXXX XXXX claims that I owe them {$110.00} for insurance policy. The policy was canceled before it was renewed. They are trying to scam me and make money off of me. It was canceled I believe in XXXX of XXXX. On XX/XX/XXXX I received a letter from a collection agency that I have nothing to do with asking me to pay {$110.00}. I dont recognize this debt, furthermore on XX/XX/XXXX I received SMS from this collection agency Credit collection services telling me that I owe them money and their contact information. I texted them back there was no response. I dont want to be contacted and harassed by them. Ive tried resolving this with XXXXXXXX XXXX XXXX  on XX/XX/XXXX but they just hung up the phone. They sold my personal information to a collection agency that I never agreed on, thats a breach of my privacy. I dont owe money to nobody and now they will destroy my credit score for a made up debt that XXXX XXXX XXXX  created. I canceled the policy before the renewal date.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-06-13
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. (IL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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