davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc. (MD)

I am a consumer and a natural person, i am not a third party and i am speaking for myself. After requesting debt validation XX/XX/2021 my request went unresponsive. Sent in a second notice XX/XX/XXXX, An Affidavit Of Truth and Facts stating that i am aware banks are borrowers ; issuing bonds and debentures 12 USC 143. My question remains what lawful money was placed in an account for me to have borrowed money? Avant used my negotiable instrument as an asset on its books and pledged it as collateral, which is sold on the security exchange. That is the reason the debt can not be validated because there is no debt owed. XXXX indicates clear and conspicuous disclosures need to be giving with reasonable understanding, which Avant failed to do. No Substance of Form giving, 12 CFR 1026 Regulation Z has been violated. According to 31 CFR 357.13 Federal Reserve Bank credits the amounts on redeemable book keeping securities to a funds account maintained at the institution. No loan was giving but payments were made on my behalf which are do to return back to me 15 USC 1692h Multiple Debts. Avant failed to respond to all communication attempted and an UNREBUTTED Affidavit stands as truth. XXXX out this account immediately as this is the final notice to my paper trail.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2022 I received a response from Resurgent, the current owner of LVNV Funding LLC, Reference Id # XXXX in reference to my inquiry regarding the validation and verification of a debt they were trying to collect on. 

The collection agency sent a letter providing verification of the debt in the form of a credit card statement listing the original creditor as XXXX XXXX XXXX. Upon my review, I mailed a rebuttal letter disputing the debt and it's validity, as it does not belong to me and the Account Holder is someone with a similar name. Included with my response by mail, I submitted a copy of my state identification confirming my legal name. 

The collecting agency as indicated via the FCRA should have responded via USPS Mail within 30 days. However, I received a response dated XX/XX/2022 which was a duplicate of the previous verification of debt in the form of a credit card statement. 

I have tried disputing directly with the agency, as well as the XXXXXXXX XXXX XXXX to have the information deleted from my file, as the collecting agency is reporting incorrect information to the credit bureau. However, my attempts have been unsuccessful.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (CA)

My loan has been sold three times since XXXX when we closed on the loan. Selene purchased it the second time, for one month, then sold it ; but Selene is still managing the account ( much to my dismay!! ). 
They have never credited my additional funds to the principle.They have never credited my payment on time... always credit it the last possible due date before it is late- even though they have my payment on or before the XXXX day of each month. I have no idea what they do with my additional principle payments I send each month. I have no idea why they wait to credit my payment. I have no idea why they never answer their phone. I have called them about 30 times in the past 3 months only to speak to a person once. He was very nice and promised me he would see that I got all the information I was requesting, and that everything had been credited as I expected it to be... All of which was a lie. I never have received anything from them except my monthly statement, which is auto generated every month and is incorrect. NONE of my additional principle funds have gone toward the principle. 
Why don't I get any say in who gets my loan? Selene is the worst mortgage company I have ever TRIED to deal with.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account was closed cause of fraud which somebody stole my card i could not open bsnk account nomore and trying to get it back for work. I didnt have no amount i think i know i lost my card snd somebody used it. I will pay anything to get it back i need a bank account
Consumer complaint received 2023-11-22
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. (IN)

On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.
Consumer complaint received 2017-08-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CURO Intermediate Holdings (MS)

I had an online payday loan from speedy cash for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from speedycash.com to be given to a creditor ( XXXX XXXX XXXX XXXX , XXXX ). I could no longer contact speedycash about my account because it was sold to a creditor without my permission. My rights were violated by both speedycash.com and XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-08-25
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

You are in Direct Violation of The Fair Credit Reporting Act XXXX, Experian and XXXX, XXXX XXXX XXXX XXXX account XXXX, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act, and please Don't respond with validated because I'm not asking for anything to be validated or verified.
Consumer complaint received 2023-09-15
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. (NY)

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

XXXX has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (IL)

Back in XXXX, I filed for a modification in which selene finance gave me the run around pertaining to documents and their dates. Then once I finally figured out what they were up to I decided to send it all in at one time then I was denied, but by that point I was XXXX in debt and they pushed me into foreclosure. That has since been resolved. 
In XXXX of XXXX they received an extra payment and I don't know if they kept it or applied it to my loan. 
In XXXX of XXXX they stated I had an escrow shortage for a little over 200 dollars and that was about XXXX bucks to be added to my mortgage for 1 year, but my mortgage was higher than that, when I did the math there was an extra XXXX dollars unaccounted for. When I asked why I was told it was part of the escrow shortage. If that's the case, why wasn't it included in that XXXX total that was divided by XXXX mo? Lies. Next around XXXX / XX/XX/XXXX I received another letter stating that I had over XXXX in cooperate fees and when I called in they said it's because I called in and had them look at my account for a modification, which I did not! So I threatened them with a lawyer. Mysteriously XXXX later I received another letter with Selene finances apology attached stating " there's an error '' and they'll be removing that XXXX off '', which they did. Now we come to XX/XX/XXXX and I received XXXX letters. The XXXX was to notify that I have yet another escrow shortage. That XXXX letter had no total. The XXXX letter came XXXX days later and now they're stating I'm over XXXX short! How? I have not missed any payments, my interest is a fixed 5 % for XXXX yrs, my homeowners insurance decreased and also I noticed on that letter that XXXX tax installment Selene has it wrong. They have it listed for over XXXX when in fact I have the actual bill showing a little over 1200. They are padding numbers hoping people won't catch it! Selene finance are a bunch of crooks! I'm XXXX on a fixed income, I can not afford to be throwing them money for no good reason.
Consumer complaint received 2023-04-27
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. (MO)

I reached out to Equifax via written letter on XX/XX/, to dispute accounts reporting on my credit report that do not belong to me. As of XX/XX/XXXX, I had yet to receive any correspondence in regards to the dispute I submitted over 30 days ago. At that time I sent another correspondence via mail demanding that Equifax comply with my request to investigate the incorrect items or delete them permanently. As of XX/XX/, I still have yet to receive any information in regards to my dispute or that an investigation has taken place.
Consumer complaint received 2023-10-10
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

On several occasions this year, I have sought to lift the temporary freeze on my account, encountering persistent challenges stemming from inaccuracies within Equifax 's records. Despite my repeated efforts, these impediments persist each time I attempt to unfreeze my report, resulting in multiple instances of denied credit. The adverse effects of these issues have notably impacted my applications with XXXX XXXX XXXX, and XXXX XXXX XXXX 

In my most recent interaction with Equifax on Wednesday, XXXX, I encountered anticipated challenges. I had lifted the freeze on my credit online to facilitate a phone service check for XXXX, scheduled for installation this week. However, despite my efforts, they continued to assert that the credit freeze persisted. In response, I contacted Equifax to investigate the matter, only to be informed that a system-triggered measure required me to submit my ID and social security card by mail to remove the freeze. 

Seeking resolution, I escalated the matter to a supervisor, who communicated that the freeze would persist until I submitted the necessary documentation to verify my identity. In response, I asserted that I had initiated the freeze and, therefore, Equifax had no right to maintain it, impeding my ability to access credit. 

Regrettably, this situation has resulted in yet another missed opportunity in my credit application. It is crucial that Equifax be held accountable for the profound impact these recurring issues have on individuals ' financial lives.
Consumer complaint received 2023-07-15
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. (MI)

privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, and XXXX XXXX # : XXXX, have 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 2023-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington offered a service called stand by cash. They did not say how often you can use this service, only that it must be paid back if borrowed from and if not, you can not use the service again until loan is paid and also it reflects your credit. I assumed if you paid what you borrowed on time I would receive a kindly report! But when I used the service paid my debt on time and sometimes early in full I received a unfavorable report that lowered my credit by XXXX points the exact gain I worked so hard to achieve to be approved for my home upgrade loan I needed to install desperately needed XXXX XXXX  for my XXXX  and install a XXXX XXXX and XXXX  for my XXXX XXXX and other degrading conditions!
Consumer complaint received 2022-12-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I paid my reverse mortgage in full on XXXX. The lien was released by the mortgage servicer quickly on XXXX and my copy of the letter indicating lien release was dated XXXX. As of XXXX the mortgage servicer ( PHH ) is holding {$260000.00} of my escrowed insurance claim funds ( from a fire loss ) and has informed me that they have up to 180 days to reimburse me. In the meantime, I am unable to purchase a new home using those funds, and I am essentially homeless. The CFPB website implies that such payment should have occurred within 20 days. Since the mortgage was paid in full and acknowledged, PHH should have no legal claim allowing it to withhold these funds.
Consumer complaint received 2023-08-02
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. (GA)

this company is violating my privacy rights according to the privacy act of 1974. i tried reaching out to said company and got no response yet. i reached out sometime in about may. no answer.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc. (CT)

I am contacted more than XXXX times a day on a daily basis in regard 's to my account and money owed. I started a debt consolidation a few months back and was advised per my attorney to stop making payments. They call and text and also block their number more than XXXX times a day. Also calling on Sundays before XXXX. I advised them of my attorney office but they still continue to call.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, our business sent an international wire transfer to a XXXX supplier as an invoice payment for business equipment. I confirmed the account number with XXXX sales representative from their company on different online XXXX to make sure the account number provided wasn't fraudulent. 

The supplier notified me that they haven't received payment yet on their account. On XX/XX/XXXX, I contacted Chase to verify the status of the wire transfer and they told me it was completed. They provided me with a tracking number ( TRN ). 

After some online research, there might be payment mid-routing issues or the beneficiary bank might have rejected the payment due to incomplete information. When adding a recipient on Chase 's website, XXXX XXXX is an optional field, but on their " Wire Transfers : Country-specific Code & Formatting Guide '' XXXX file, it says " XXXX XXXX '' is required. 

We are worried that some required information was missing and caused the payment to be stuck.
Consumer complaint received 2024-03-15
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. (TN)

I was trying to buy a house and I realize that i had damages on my credit report according to the fair credit law 15 USC1681LAW there should not be any damages on my report. Its a defamation to my character. And this is a federal law violation. This have me emotional and stress  now I am homeless.
Consumer complaint received 2023-11-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

I received notification from my credit card that there was a change in my credit and learned that XXXX XXXX XXXX had submitted a negative credit report. I have not spoken with anyone from this company, and when I looked at the credit report, it was the SAME negative credit entry from XX/XX/2023, therefore its a duplicate.
Consumer complaint received 2017-05-06
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: EQUIFAX, INC. (NJ)

I BUYER MY HOME IN  XXXX   2007  AND GOT MORTGAGE WITH  XXXX . THE MORTGAGE WAS TRANSFER TO  XXXX . IN MY CREDIT REPORT I HAVE  XXXX  MORTGAGE COMPANIES OPEN FOR THE SAME TERMS AND AMOUNT. DATE -  XXXX   2007 , AMOUNT - {$490000.00}. I HAVE REPORTED TO EQUIFAX WITHOUT ANY ACTION.
Consumer complaint received 2024-03-15
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.