davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Experian/ XXXX XXXX ( CEO ) XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2023-06-03
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. (GU)

I reported the issues surrounding an account found on my credit reports named " XXXX XXXX '' # XXXX account that had many inaccurate information on payments with CFPB as of to date per Transunion and XXXX it ( shows that I made a payment in XXXX XXXX XXXX ) ; I have Never made any recent payments to this company- ( please ask to see a payment receipt from said company it will show nothing! I have no copy of any paid receipts, no recordings of such kind ) reporting payment dates, etc.. as of to today. This company is reporting something that is FALSE and intentional! This goes against section 623 of the FCRA and regulation V. Second, I have also reported this a few times with credit bureaus and both Transunion and XXXX with the exception of XXXX has removed/ deleted the account. 
This said account was opened XXXX ( it is now aged at 10.4 months old ) and after verifying with a free annual credit report and the bureaus this account has EXCEEDED the FCRA rule which is " a consumer reporting agency can no longer report negative information that is more than seven years old. '' As a consumer they have violated my rights and is not in compliant. I demand that they remove this account immediately across Transunion and XXXX bureaus. They are strictly in violation of my consumer rights.
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rodenburg LLP (ND)

Surrendered the car to XXXX XXXX XXXX XXXX in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX  Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Residence fell behind while husband was critically ill in XXXX.For months I tried to get Ocwen to allow me to modify my loan and they refused for a year. They " lost '' paperwork over and over that I sent. When they finally allowed it ( after I retained a lawyer ), I paid all the excelerated payments they asked and THEN they refused the last one and said over XXXX was due to reinstate the loan. I have done EVERYTHING requested. In this time, my husband died and I also was trying to get the home titled to me. We were married over 50 years. They have asked for lots of information, which I have sent, MULTIPLE TIMES. I have copies AND I sent info certified. They keep insisting I do n't send the things requested but I have a record. Their tactic is to delay and then take a person 's home. If I have to sue them, I will. They will NOT get my family home. They have stolen, lied and act UNETHICAL over and over. I want the home in my name, I want them to adjust the payments back to what they were, take my payments and leave me the XXXX alone. Do Something about these Crooks! My last letter from them is dated XXXX/XXXX/XXXX ( they are again asking for things " missing ''. But these items WERE included in previous pkg. I have a copy!! ). I now have only missed payments because they have Refused it. I will file bankruptcy if needed, they have had plenty of opportunity to allow for modification ( if anyone needed it, an elderly woman, with deceased husband does ). They have only exacerbated ALL THE PROBLEMS.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (MO)

The company in question is Diversified Consultants. I  agreed to settle a XXXX account that I had and was promised that the account would be removed from my credit report and it never was. The original balance owed was {$1200.00} and The collection agency for XXXX agreed to remove this account from my credit report if I paid 50 % of the balance which was {$600.00}. I paid {$600.00} with a representative over the phone in XXXX 2017 and the account is still showing up on my credit report as Account legally paid in full for less than the full balance. This is not what was agreed upon and I would like this account fully deleted from my credit report. I feel that the representative I spoke with told me that this account could be removed from my credit report if I paid just to get a payment out of me and I do not think that this is right. Could someone who has the authority to remove this account please review my case? I have called Diversified consultants 3 times trying to get this matter resolved, but to no avail.
Consumer complaint received 2016-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

Experian combined another person 's information on my cerdit report depsite obvious differences in the SS #, DOB, address, spouse, and employer. This other person has a bankruptcy, another mortgage and XXXX accounts that have been affected my credit score to detriment. Experian has agreed to remove the person 's infomration but will not offer me anything regarding free credit monitoring or compensation for the damage to my credit.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

Experian refuses to let me obtain my paid credit disclosure online. On XXXX XXXX and again on the XXXX, I attempted to purchase my Experian disclosure online for {$12.00}. Although I entered precise, accurate identifying information and the address as exactly written on my previous Experian reports, Experian refused to let me complete the purchase online. Instead, they try to force me to call an automated number which can not accommodate hearing XXXX. I also do not wish to obtain my reports via mail as it takes too long and also it 's onerous to scan my XXXX report to save in PDF format. Obtaining it online allows quick conversion into PDF. Experian does this to force me to pay them over {$30.00} for a different online version which they do conveniently allow me to purchase online. I believe Experian refuses online access as a means to generate additional revenue when forced to buy the {$30.00} version.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX/XXXX/2016 URGENT!!!!!!! 

THIS CALL NEEDS TO GO TO YOUR COSTOMER SERVICE DAPARTMENT!!!!!!! 

BANKRPTCY CHAPTER XXXX MUST BE REMOVE PER THE ORDER IN THE DOCS XXXX CHAPTER XXXX MUST BE REMOVED PER THE ORDER LAWSUIT FOR HAS BEEN FILED AND APPROVED YOU MUST COMPLY WITH ORDER SEE ALL DOCS READ XXXX OF DOCS COSTOMER SERVERICE HAS NOT CALLED ME BACK YET!!!!!!! 
YOU CAN REACH ME AT XXXX OFFICE OR XXXX CELL
Consumer complaint received 2016-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I signed up for direct debit for my student loans from my XXXX in order to reduce the interest by .25 % from the original 6.8 %. Today I looked on my account to see that Fedloan did not take my funds on XX/XX/XXXX ( though my bank was open ) because it was a weekend and instead bumped the debit to XX/XX/XXXX. The interest for XX/XX/XXXX and XX/XX/XXXX was still accruing on the {$71000.00} loan. Never once was I delinquent in the past 22 years of paying loans for XXXX with XXXX XXXX from XXXX College. There is now a delinquent notice on my account that states " If you did not make a payment yet, you can choose to pay online right now. You can also sign up for Direct Debit and never be late with a payment again. '' I called fedloan and the woman on the phone called me XXXX XXXX XXXX. That is close to my first and last name but it is not my name as I am a female so I gave up on trying to get them to understand that interest accruing on dates when a payment was supposed to have been taken by them is not fair. I want out from underneath this student loan company so badly, but feel I have no choice other than to keep shoveling out.
Consumer complaint received 2024-08-12
Product: Credit reporting 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. (TX)

Dear CFPB, I have been trying to get my credit score on equifax website and it has been in blank. i can not see anything there i called in support but they didnt fix anything. eveything on the equifax website is blank.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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.

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 2016-12-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (MS)

I purchased this home in XXXX with XXXX XXXX as the loan servicer. Some time later the loan was sold to XXXX Mortgage and later to Midland Mortgage. Every since Midland Mortgage got the loan I have been having issues with everything from just rude people to getting lender placed insurance. At first Midland place an insurance policy on the home for the then balance of around {$30000.00} dollars. In recent years I was told that they had to place lender place insurance that would insure the replacement cost of the property - roughly {$140000.00} even though the loan balance was around {$20000.00} at the time. The reason Midland placed the lender forced insurance is because the insurance company I had insurance with canceled my policy stating that I needed to put a new roof on the home. I purchased a new home in XXXX of XXXX and could not afford to do repairs on the midland financed home. Around XXXX of XXXX, the tenant that I had in the home relocated to another state and I could not get someone else to rent the home. I started getting behind on the property and have not been able to get caught back up. I have gone to Midland so many times since then trying to at first do a short sale and then a deed-in-lieu. At first Midland would not approve the short sale because they said that the house had been rented more than 5 years during the term of the mortgage. I contacted the XXXX about this and they told me to ask Midland to do variance. But when I went back to Midland and told them what the XXXX told me, they miraculously told me that the short sale was approved and that they would be letting me know what short sale price they would accept. About a couple of weeks went by and they then told me that the short sale could not be completed because there had been damage reported to the home and an insurance claim was open on the property. I was later told that I needed to complete or have a contractor complete the repairs with the insurance check that was sent by the insurance company to Midland. Also I needed to pay a {$1000.00} deductible. I asked Midland if they would just apply the insurance check to the balance on the loan and let me try to sell the home on the short sale basis. Midland told me that I would need to either fix the damage and apply the insurance check toward the repairs ( plus pay the {$1000.00} deductible ) or figure out a way to sale the property and pay the payoff balance minus the amount of the insurance check. I was excited about the second option until when I received the latest payoff which has new fees of {$5500.00} that I do n't know what for. 
Now I am stuck with trying to sell a house that appraised for {$6500.00} recently and payoff a Midland payoff amount that has mysteriously increased from {$9000.00} several months ago to {$16000.00} payoff now. Lastly Midland stated that the deed-in-lieu was not an option unless I choose to fix the property damage. They said that if I choose not to do either of the options above, they would proceed with foreclosure!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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 Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

I am writing to formally dispute the following items that have appeared on my credit report .I believe these accounts have been mistakenly associated with my credit profile and are not mines. They are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These items are inaccurate and do not reflect my financial history. I have not had any accounts or dealings with these entities and their presence on my credit report is incorrect .Please investigate this matter and remove these inaccuracies from my credit report immediately. I have a copy of my credit report from both Equifax and XXXX, highlighting the items in question along with a copy of my identification and utility bill for verification .I appreciation your prompt attention to this matter and look forward to your confirmation that these items have been removed from my credit report. A copy of a police report was sent in the mail
Consumer complaint received 2015-07-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (TX)

i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

I have a checking account with SunTrust bank. The last transaction that I made personally was a {$400.00} deposit in XXXX of XXXX. My statement ending XXXX XXXX, XXXX shows I have a balance of {$550.00}. I have made no transactions since. In XXXX XXXX I received a letter in the mail from SunTrust stating a deposit was made to my account in the amount of {$1400.00} and the letter informed me that {$800.00} of the deposit was not available for withdrawal. I made no such deposit. I went online and checked my account and found my account was overdrawn. I saw several transactions that were not mine and I immediately contacted SunTrust fraud to report this to them. 

During their investigation Suntrust found out that one deposit of {$1400.00} was posted to my account in error and they reversed this deposit. Suntrust credited my acount for {$4.00} which was the amount of the first fraudulent withdrawal from my account. The final fraudulent transaction was a debit of {$940.00}. Suntrust sent me a copy of this. It is what appears to be a cancelled XXXX XXXX XXXX check dated XXXX from someones account in Virginia. 

Today I received a letter from Suntrust Fraud that they are denying my case. 

I have all of my ATM cards which I have never used and all of my statements so I do not think someone stole a statement out of my mailbox. I have all of my checks as well. 
I really do not understand how this can happen. Suntrust Bank allowed a cancelled check from another bank that is dated cancelled XXXX to be used to withdraw {$940.00} from my account and Suntrust concluded that no error occurred.