davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (ME)

We recently started our mortgage with PHH Mortgage Service, and it was the worst and unprofessional service I can ever imagine. 
My first payment due is on XX/XX/20 and my loan underwriter transferred my check ( in full amount ) on XX/XX/20 by USPS certified mail, according to the tracking record, they received the mail on XX/XX/20, but since then I called multiple times to verify with them on timeline they will cash the check and apply it to my account. They keep stating that they didn't receive the check although I provided the USPS tracking number, my XXXX check number. Time though end of XXXX, they still didn't cash the check and end up sending me a letter stating that they are " not in receipt of the check '' dated on XX/XX/20. 
So immediately after that ( XX/XX/20 ) I provided another check with 2 months worth of the mortgage payment to cover both my XXXX and XXXX dues. They cashed that check on XX/XX/20. At the same time, I scheduled my automatic payment on their service portal starting XX/XX/20 and thinking finally I straight out this frustration and since usually the first payment have a greater grace period, I should be no problem on delinquency issue. 
Suddenly they also cashed my original XXXX check on XX/XX/20. So I called them again telling them I have already scheduled my direct debit ( or auto payment ) starting XX/XX/20 and over the phone they verified the account status is normal and they agree that there is an one month worth of mortgage overpaid. So I request a check back to me since paying 3 months worth of mortgage from my bank account within one month does create some cash flow pressure. 
I received this reversal check in mail on XX/XX/20 but they also sent me a separate letter stating that my auto payment get canceled due to the status of my loan. I called to verify the reason on the cancellation. The answer I get over the phone is that they see ( 1 ) a reversal fund request and ( 2 ) my account status is delinquent. I told them they are not stating the truth and all the frustration are caused by their fault at the very beginning on how they handle my first check. At this point, they agreed to see if they can reinstall my auto pay request back so that I don't have to again sent them another paper check. 
During this whole process, I feel they are creating hassles and problems due to their poorly designed service and poorly managed representatives team - I have to repeat my problem over times and I receive a lot apologies over the phone but really not getting problem solved effectively. To set a mortgage account straight is not hard rock science and it only requires a bit professional care that they suppose to do. And to answer some regular request in absolutely normal course of business shouldn't be this problematic. I don't have faith on them to maintain my mortgage account accurate at this point. I will definitely look at all options I have to transfer to another one if possible.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

Ive had a Credit Karma Spend account for over a year wiht no major problems. I recently had my State Tax refund deposoited into there and Im set to have my federal refund deposited there as well. I recently deposited a check by mobile check deposit and was given a date that funds would be available. On the date given, I had checked my account and they werent available yet but there were no issues. Within 30 minutes, I saw that the funds had become available but also saw they had frozen my account. Ive tried contacting them MANY times and they refuse to unlock my account or give me any other information. The funds show that they are available but due to the account being frozen, I can not access them. It's only {$240.00}, what is the holdup? Unlock my account already.
Consumer complaint received 2023-01-02
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Consumer complaint received 2021-12-22
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (FL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX ( CLOSED ) Account Number : XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$410.00}
Consumer complaint received 2022-11-18
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. (SC)

Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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. (GA)

I have been a victim of identity theft fraud. I have no idea of any of these inquiries. I have never opened any of these inquiries or I have never gave any permission to any company. Why do I have these unknown items in my report? This is a big mistake. Please review this and remove them from my credit report as soon as possible. Please investigate
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial Corporation (TX)

XX/XX/2016 I called XXXX and spoke with XXXX XXXX of XXXX XXXX XXXX ; XXXXXXXXXXXX ; XXXX Direct ; XXXX Fax. He told me that his company works exclusively with the US Dept of Ed ( legitimized himself to me ) to get the word out about a not well marketed program that would lower my payment and forgive my debt entirely in 15 years of payment. I gave him my information so he could " see if my loans qualified. '' This required me to sign a document giving him permission to look at my loans which I did. He was very personable and I repeatedly told him that I was not sure if I wanted to sign up but that the program sounded great. I told him I needed to speak with my husband first before committing to signing up. He also needed my husband 's driver 's license and social security number which I did not have. He told me he definitely needed that information BEFORE he could sign me up and that even then when I did sign up I would have 3 days to cancel. He said he would need to go ahead and get my info to set up my account. He explained that there would be a few months of a lower fee of XXXX and that my new payment for my loans would be XXXX a month with debt forgiveness after so many months of payment. Again I tell him I am not sure yet what I want to do. He calls me and emails several times over the next few days to get the missing financial info. I researched his company and found that no program exists and that they are known for charging large sums of money to do a free consolidation service offered through the Dept of Ed. On the third and fourth business day after we spoke, I sent him emails with a statement saying " I am passing on your deal and I do n't want this service. '' A week later I find charges on my bank statement. I called the guy back. He tells me that it 's too late and that I signed up and he has audio recording to prove it. I told him that I was unaware that he was signing me up even though I was saying to him that I was not sure I wanted to sign up. He says that I signed a promissory note which he walked me through -- I have no recollection of this and remember that the only document I was signing was agreeing to let him see and assess my loans. Now I understand why he cryptically said " You will have three days to cancel when you decide to sign up '' He made it sound like he was giving me information not forcing me into his program. Now I am receiving emails that I have an application for consolidation of my loans with XXXX XXXX. and this company has already charged me XXXX and plans to bill me hundreds of dollars to consolidate or manage my loans ( which i do not want ). Please help me resolve this if possible. Thank you I have attached three emails showing my refusal to the program. I did send the first refusal 3 business days after I spoke with him.
Consumer complaint received 2023-06-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
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. (NJ)

1

5 U.S.C 1681 section 602 A. States my right to privacy.

15 U.S.C 1681 section 604 A. section 2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692c section A. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX requires 40 days to post mortgage payments to consumers account. XXXX XXXX XXXX does not communicate this with the credit department within the XXXX XXXX XXXX XXXX. This harmful behavior causes the consumer credit report to be ruin. My XXXX payment is in the possession of XXXX XXXX XXXX and has yet to be posted in the month of XXXX. XXXX  says they will post when they get to it and fix credit later. This is a horrible response. This is a careless response for the consumers.
Consumer complaint received 2024-03-01
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. (TX)

I called Experian on XX/XX/2024 at XXXX XXXX and spoke with a representative named XXXX and he would not provide his last name. I asked him if he would remove some names on my credit report that were reporting incorrectly and he agreed. When I received the dispute back from Experian those names I asked him to remove were updated and not removed. This is a clear violation of 15 U.S. Code 1681 ( e ) which states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

They are also in clear violation of 15 U.S.C. 6802 ( b ) states : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also, I will be providing screenshot of of what they updated
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGED AN INQUIRY TO MY REPORT WHICH I DID NOT RECONIZED BEING IN THE EARLY MORNING HOURS ACCORDING TO MY XXXX REPORTS AND I SEE THAT IT HAS BEEN REMOVED FROM XXXX BUT STILL REMAINS ON TRANSUNION. I NEED THIS TO BE REMOVED RESPECTFULLY.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts 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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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. (NV)

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 u.s.c 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-01-01
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. (NV)

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 u.s.c 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction