davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  XXXX I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention.
Consumer complaint received 2023-04-25
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. (TX)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXXXXXX {$900.00} XXXX XXXXXXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Re : Fifth Third Mortgage intentional delay of short sale of property Fifth Third Mortgage is intentionally delaying the short sale of my house in bad faith! We have submitted everything requested, more than once, and have been awaiting a decision since the submission of the Mortgage Assistance Application on XX/XX/2023 and the purchasing Contract on XX/XX/2023. We have repeatedly been advised that the file is with underwriting and that a final response would be received within a couple of weeks. A couple of weeks have now turned into 7 months!! We have repeatedly requested escalation of the decision and still no response. We call every week for months only to be told to leave a message and that a response would be received within a week or two. We last reached out to Fifth Third again on XX/XX/2023 and were advised that a supervisor would contact us same day or the next. It is now the end of the week and there has still been no communication from Fifth Third. It is apparent that Fifth Third is intentionally delaying the short sale! Both myself ( the seller ) and the potential buyer are frustrated and are both expending additional funds to maintain the property while awaiting the sale as well as temporary living arrangements while awaiting the sale. We have extended the contract several times awaiting Fifth Third and an additional extension may not be granted thus forfeiting the deal all together and having wasted months of money and time. Not to mention forcing the property into foreclosure which may be the actual intent of Fifth Third! Will you please assist and assess whatever consequences Firth Third may be due for this unprecedented delay!
Consumer complaint received 2024-04-05
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. (WI)

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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (DE)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. I disputed this with the credit bureaus and the accounts came back verified. I also asked the credit bureaus XXXX XXXX how they conducted the investigations in which I received no response or no proof of a legal or thorough investigation. I also found several inaccuracies with these accounts that are a FCRA violations. The inaccuracies are as follows : For the XXXX XXXX XXXX XXXX  account with a balance of {$1100.00}, the opened date states XXXX  on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The date last active states XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my Experian report. This is inaccurate information. Please delete the account. 

For the XXXX XXXX XXXX XXXX XXXX the date open states XX/XX/XXXX on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The date last active states XXXX  on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The balance states {$1200.00} on my XXXX report and {$1200.00} on my Experian report. This is inaccurate information. Please delete the account. 


The inaccuracies lead me to believe that no investigations were done in reference to these fraudulant accounts. The credit reporting agency can not properly verify that the information they have is correct. I have not received any contracts with my signature as well. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you in advance!
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (CA)

I requested validation of a debt from Aldous & Associates Collections, which they placed on my XXXX credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I asked for copies of the original contract/agreement and a breakdown of how the debt was accumulated within the required timeframe. Despite my request, Aldous XXXX XXXX XXXX failed to provide these documents within 30 days. 

As a result, they have not validated the debt as requested by law, yet they have reported it to XXXX, impacting my credit negatively. I am filing this complaint to address the inaccurate reporting and the failure to provide validation of the debt as required under the FDCPA.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (TX)

This account has been brought current by after two years of problems with PHH MORTGAGE SERVICES ( who also made us go through XXXX XXXX XXXX XXXX for a while and then said that it was just advertising ). The problems with PHH have been EVERY MONTH. They delay posting payments and then claim they are late, then put monies in a holding account, then years ago that forced us into bankruptcy to keep our home of 20 years at that point. Now that account is was again up-to-date, we tried to make the XXXX pmt online but they account said that service was UNAVAILABLE to us ( But this is the tactic starting all over again that they use to delay pmts and then claim pmts are late ). We made a phone pmt on XX/XX/XXXX. It is now XX/XX/XXXX and they still have not posted the pmt. We have talked to them 3 times since making pmt. Each phone call last average of two hours. They PURPOSEFULLY make it Very difficult to pay. We called on the XXXX and asked why the pmt wasn't posted, they claimed bank rejected it. We went to bank and got a read out of the day before, day of and day after and talked to bank. They said PHH never attempted to withdrawal funds even though PHH claimed it was bank error. It was NOT. On XXXX XXXX  they reinitiated the pmt and again said it would not post for several days ( they declined to make a debit card payment and only would accept check ). We also have attempted to fill out paperwork to be able to make online pmts. NEVER has any other company been so deceptive, and purposefully negligent that makes it close to impossible to make payments and have them correctly posted. XXXX XXXX in the loan holder and they used to use OCWEN Mortgage Servicing but had to pay out due to fraudulent/predatory lending. They had to pay us as well. Then they just changed names to PHH but same fraudulent/predatory practices are remaining. WE WILL NOT LOOSE THIS HOUSE. THEY WILL NOT WIN! 
Last time they did this they held all our funds they would not apply to account ( because they said since it was late it was all due... BUT this is how they make it 'late '!! ) They held several XXXX in a holding account and that was never applied. They steal funds, they lie, they make you wait for hours to take care of Any business and don't apply. I want to be able to pay my bill online and have it applied TIMELY. I really want another servicing company that is not negligent and VILE THIS IS A COPY OF THE COMPLAINT I MADE TODAY THROUGH DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. I WILL KEEP SUBMITTING UNTIL THIS PREDATORY BEHAVIOUR STOPS
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, 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. (OH)

PLEASE REMOVE THESE FRAUDULENT HARD INQIRIES : 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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Arrival + XXXX card has been denying my use of the card. I have a {$0.00} balance on the XXXX card. I notified the company I would be traveling from the XXXX to XXXX XXXX XXXX. I received an email from Barclay on XX/XX/23 acknowledging my XXXX XXXX. I tried to use the card on XXXX at XXXX XXXX and was denied twice and I called and spoke to two representatives who said my card was fine and one who said I needed to prove my identity. After giving them my full name as it is on my card ; my card number ; last 4 digits of my social ; my email address and phone number which they sent me a code to verify who I was - done successfully, they said I have to send a copy of social security card front and back, my government ID, a utility bill. Then other reps said my card was good to use and all was accepted. However, when I tried to use the card, the transaction was denied. I had sent the documents requested on XX/XX/23 and again on XX/XX/23 and when I go into my Barclays App and go to Document Center, I see my copies of my Social Security card, my Us Passport, my CA Drivers License ; my Land US Passport Card. I also have a Barclays Loan that is active and in repayment status and there is no issue with them receiving my payments ; yet when I try to use the travel benefit credit card, all my transactions were denied with no explanation. Luckily, I brought my XXXX XXXX XXXX card on my trip.
Consumer complaint received 2023-10-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

I lived at the apartment for two years never owed rent but during Covid 2020 lost my job told management that I am having difficulty paying my rent they encouraged me to stay stating that I was a good paying tenant I hanged on payed the rent while working odd jobs. In the end I lost everything I owed 1 month rent I had no where to go no $ to put my expensive furnitures in storage I walked away from everything I owed {$1600.00} in rent, my furnitures were worth about {$8000.00} they sold everything and put me in collections for over {$6000.00} and is charging me interest every month on this debt!!! Which I believe is illegal why are they charging me interest? This is not a federal loan? I tried to explained to the company that the amount is incorrect and they ignored me.
Consumer complaint received 2024-07-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I applied for a XXXX  re- finance loan. XXXX XXXX was aware that I had been trying to get XXXX and Experian to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call XXXX party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked XXXX and Experian to remove them and they would not as the tradelines information reported are not vaild
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I am still in my program. I called MOHELA and spoke with a representative. I asked if I can pay off my interest as I begin to accrue it, now that it has begun again. They said yes. Since I am not yet having to pay my loans back, the payment I make will go towards my interest. 

I make the payment in XXXX for the interest amount. I go to make XXXX payment and realize XXXX payment when towards the principle not the interest. 

I call MOHELA for day and days and nothing but a 3 hour wait. I am working during the week I can not be on the phone for 3 hours. 

I understand that I can call and speak with someone and pay over the phone and pay my interst that is accruing DAILY. 

But I can not get ahold of anyone. 

Meanwhile my interest is ballooning. 

This is PREDATORY. If there was an easy way for me to pay my interest this would not be a problem. 

WHY IS THERE NOT A WAY TO PAY MY INTEREST ONLINE? 
HOW CAN THIS BE POSSIBLE THAT I HAVE NO CONTROL OVER MY LOAN? 

I wrote a memo with special instructions for a payment and mailed in through the postal service with special instructions to put the check written to MOHELA towards my interest then any left over towards the principle. 

I will have to incur the expense of {$5.00} ea month so that I can guarantee my interest be paid each month. 

I also emailed MOHELA and have not erceived a response. 

My interest accrues daily. I have a plan to keep in manageable by paying it off monthly. 

IF I HAVE NO WAY TO PAY IT OFF MONTHLY. I will no longer be able to manage it and get into debt that I can not pay off and I will be crippled. 

THIS IS PREDATION. and if I am experiencing it so are SO MANY THOUSANDS OF OTHERS.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.