davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IL)

in XXXX to XXXX i was in bankruptcy in XXXX i was suppose to pay my second mortgage payment at that time XXXX  did not resume billing. after calling XXXX  they said loan was sold to XXXX XXXX, XXXX XXXX is my first mortgage and said they did not have it. after exhausting all my resources my lawyer said it will show up on my credit report and never did. in XXXX i started my search again with no luck. no company could find this loan. in XX/XX/XXXX Planet home lending started to send statements at first i thought it was junk mail. there was no notice that this was sold acquired by planet home lending. so i reached out to the phone number to try to figure out if this is the loan or fraud with no results, there phone system can only help with payment hard to talk to someone about my situation. I have sent 8 letters trying to resolve this. its been 7 years since this loan could be found. and they are accelerating loan and i can pay the amount owed at the time i was out of bankruptcy i can not pay the amount owed now. its 3 times the amount. and says last payment due XX/XX/XXXX. this loan was paid XX/XX/XXXX by trustee. Holding the loan for 7 years and not being able to find loan nothing on my credit report is very deceptive if not fraud. planet home lending not talking to me is very unprofessional business practice there statement is not accurate fees exceed what is allowed. this would have been taken care of in XX/XX/XXXX if it could be found XXXX dollars not XXXX and i am still willing to pay XXXX that i owed. if forced back to bankruptcy this will not happen. that's where its going with planet home lending poor business practices.
Consumer complaint received 2023-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AAA Auto Title Loans, LLC (OR)

I have called this company and requested them to stop a payment. I was told that I can not stop the payment. They will continue trying to pull from my bank even though I requested them to stop. I then asked for my remaining balance which they could not tell me, I didnt ask for the amount that I have paid towards this loan which the representative told me she could not calculate or see, and then asked why I was not able to log onto my online account to see the balance or the remaining amount, and she said its an issue with IT theyre aware of I let them know its been months since Ive been able to see my online account Ive been locked out they could not reset it for me. I didnt ask for the corporate number. She gave me a different number for the same office when I called back I spoke to the same representative XXXX I didnt ask to speak with the right corporate office and she said her manager would call me tomorrow and that she did not have any of the information for their corporate office or for any of my loan information, and that I could not log on to my online account to see it myself. This was a {$300.00} loan I took out years ago and I wanted to know the amount I had paid towards it.
Consumer complaint received 2018-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by  staying on my XXXX  and XXXX  credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
Consumer complaint received 2023-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

A complaint was submitted against Specialized Loan Servicing on XX/XX/XXXX, file by my company, with my client XXXX XXXX, information. Information was then received in XXXX stating as response ha been made. The response was from the year XXXX, and nothing never address the issue that was made in the complaint on XX/XX/XXXX. Can the company ( SLS ) please respond to the issues address in the complaint on XX/XX/XXXX.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed an item from   XXXX   credit several times. The amount showing owed is {$1000.00} which has been on my credit now fo r 9 years.  I called   XXXX   and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under  XXXX  and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.
Consumer complaint received 2023-06-10
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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. (NC)

I do not know who this collection companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency. If you can not provide me a SIGNED DOCUMENT and not a statement of accounts of this collections within 30 days from this dispute, please get them deleted as soon as possible.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2020-04-06
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. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items.

I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 2023-10-21
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. (GA)

I have identified unauthorized account transactions on my credit report that I do not recognize. The unauthorized transactions have ruined my credit reputation. I have performed my own investigation and have determined that transactions are a result of identity theft. I have completed an identity theft report with the Federal Trade Commission. 

The credit reporting agencies should have taken reasonable procedures to ensure that my nonpublic personal information and other identifying information was not being furnished in error and without proper authorization.
Consumer complaint received 2023-04-26
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 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 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint on TransUnion, XXXX XXXX XXXX because in accordance with the Fair Credit Reporting Act, it is imperative that every detail on my credit report is completely accurate. However, I have observed numerous inquiries that were conducted without permissible purposes, constituting a violation of FTC law 604 [ 15 U.S.C. 1681b ]. 
The inaccurate inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is violating XXXX of my federally protected consumer rights. They have been for over a year, they also put a judgement against me while serving XXXX people that werent me. They are also reporting to XXXX TRANSUNION and XXXX negative remarks regarding me, which is defamation and it is infringing my right to extend credit and i have received medical conditions as a result of the stress and deceitful practice by this Consumer Reporting agency XXXX
Consumer complaint received 2021-04-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/XXXX paid XXXX XXXX with Obscurity Intensive Facilitaion through XXXX through Navy Federal Account Checking # XXXX for {$900.00} for three day coaching services course. 
XX/XX/XXXX cleared Navy Federal Credit Union. 
XXXX on XX/XX/XXXX and still incompacitated unable to work. 

Initial communication with Navy Federal regarding refund and Navy Federal Advised to request refund through XXXX. 

XXXX XXXX reschedule session in XXXX to another date. 

Requested refund to XXXX XXXX on XX/XX/XXXX after a berrage of words from XXXX. 

XXXX XXXX, XXXX XXXX XXXX had Conversation with XXXX. XXXX XXXX emailed XXXX Letter on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX recommended not to engage in any session with XXXX. Letter with professional recommendation was emailed to XXXX XXXX requesting refund on XX/XX/XXXX. 


XXXX XXXX provided no services. 

Contacted XXXX through Consumer Finance Gov and XXXX stated that Navy Federal is responsible. 

Request {$900.00}.
Consumer complaint received 2023-06-18
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. (FL)

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 2023-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2023 I opened a checking & savings account with Chase bank. 

XX/XX/2023 I was notified that my account will be closed with no notice as to why & the remaining funds in my account will be mailed to be by check XX/XX/2023 I reached out to chase bank in regards to the exact date in which my check shall arrive XX/XX/2023 I reached out again doing a follow up on my funds to which I was told there was no information to give me that I did not already know and that I would just have to wait the full XXXX business days XX/XX/2023 I reached out again to inquire about my remaining funds not arriving by the date given to me & reminding the banking team that it has been well over XXXX business days by this point to which the associate responded by telling me that I now have to verify a few things in regards to the initial paycheck that was deposited into my account this is an extremely time sensitive matter in which I have been more than cooperative although I am being mistreated throughout this ordeal this will be the second time with Chase banking that I have been a victim treated as a suspect and I just do not believe that is a professional way to conduct business.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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 2023-10-20
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. (PA)

i went to try to apply for a loan and my credit was pulled i became aware of multiple inquiaries that do no belong to me and due to these incorrect reading on my report its making it impossible for me to move forward in my daily living
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 2023-10-21
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. (MA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (NY)

These inquiries I have no knowledge of and it wasn't me and I gave no written permission authorizing such transactions, I've asked Experian countless times to show proof of these XXXX charges aka inquiries that I received NOT ONE benefit from, and track down where they came from and they failed to provide this information for months now. I've sent countless letters its been so hard to get a new car a new house or any new credit cards with them reporting so many inquiries aka charges from a transaction I gave no authorization for.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (MO)

we started with having autopay on the account but it took forever for landmark to take the payment via auto deduct from our checking account and they do not offer autopay on debit/credit cards. We cancelled the autopay not knowing it was sent to out bank already and made the payment online with our debit card and was charged a fee. Lendmark took the automatic payment as well. We contacted lendmark and was informed that they would need to clear and they would be able to reverse the payment they also asked for a screenshot of the account showing the completed trans action or a statement or our app. well for security resons our phones will not screenshot our banking app and when I took a screenshot of the pc site and sent it I was then told it had to have my name, account number and the completed transaction. I sent a screenshot showing the last 4 or the account, completed transactions and the only thing it doesnt show is my name on the page because it is on a whole different page. Lendmark then told me that it was not good enough because of my name and that it doesnt show the completed transaction. the sreenshot shows it is completed