davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (HI)

I submitted to apply my Ohio XXXX benefits to a loan. Then was told that the loan doesn't meet the requirements of the personal loan when it does apply since it is a payment contract and that Ohio law states ( 172 Ohio Law Note. Ohio prohibits a creditor from charging or collecting finance charges exceeding six per cent per annum from a person, or the spouse of a person, XXXX on XXXX XXXX. Ohio XXXXev. Code Ann. 1343.031 ( B ) ( West 2004 ) and 7.1.3. Temporal Scope of Interest Rate Reduction The 6 % interest cap on mortgages and mortgage equivalents applies during XXXX XXXX and for one year after XXXX XXXX XXXX.177 But the interest cap reduction on all non-mortgage debts and obligations is limited to the duration of active service.178, 179
Consumer complaint received 2022-11-21
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. (CA)

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. 

Account name : XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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 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 2017-05-15
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo will not provide a payoff on the reverse mortgage unless I am the appointed representative of the deceased. But I am the brother of the deceased and can not afford the cost of becoming the representative when my POS brother had no assists. the deed to the home is already in my name as right to survivorship. The reversed mortgage was taken out in secrete and before my half ownership was added to the property. Wells Fargos  are  XXXX . Why are they discriminative? Who the  XXXX  gives a  XXXX  who pays off their  XXXX  loans. The POS deceased is dead already. As long as the note is paid that reverse mortgage should be closed!!! The amount of  XXXX  is acceptable as of the last statement  XXXX   XXXX ,   XXXX  .     There is no law indicating that I have to become the personal representative of my brother when he had no assists. It is idiotic and selfish o f Wells Fargo to   impose such requirements to pay off a note absolutely ludicrous they care about  no one but themselves. Wells Fargo is  a piece of  XXXX  financial institution that i hope goes to  XXXX .
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOP Pioneer Partners LP (TX)

I received a letter from XXXX XXXX XXXX, dated XX/XX/2024, and another sometime in XXXX, I believe, offering XXXX different settlement amounts, which I was unaware of until after receiving a phone call in late XXXX from XXXX of your representatives extending a different settlement amount. I wasnt aware of who you were and still am confused. When I received a few text messages, one on XX/XX/XXXX from your company, I thought, is this a scam? At that point, I responded that I declined to pay. The next text came on XX/XX/XXXX ; I guess I missed that XXXX, but on XX/XX/XXXX, again, I declined to pay. This brings me to where we are now ; Im requesting all your documentation, which gives you the authority to collect this debt from me.
Consumer complaint received 2023-05-24
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. (MI)

I am writing to assert my legal rights as a consumer. Many inquiries on my report are unauthorized and illegitimate. I have not given consent to these companies to access my report and they are doing harm to my right to liberty and my 4th amendment rights. This is a violation of my privacy and the 15 usc 1681 I request the all inquiries not associated with an account be removed
Consumer complaint received 2017-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NE)

This debt was sold to a debt buyer, however ; the original creditor continues to report and attempt to collect on it resulting in duplicate entries on my credit report for the same account. Since the debt was sold to a third party collection agency, the original creditor does not have a right to engage in debt collection efforts.This is my final attempt to resolve this issue outside of litigation. IF you fail to remove this item from my report within 14 days I will pursue a civil suit for your debt collection violations. Please see attached claim that will be filed on  XXXX / XXXX /2017   with the  XXXX   County Courthouse.
Consumer complaint received 2022-11-30
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX FIN XXXX Date Opened : XX/XX/2020 Balance : {$450.00}
Consumer complaint received 2020-01-14
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. (SC)

Found out that I was a victim of identity theft back in XX/XX/2019 Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (TX)

I received a letter from Unifin , Inc., dated XX/XX/year>, and another sometime in XXXX, I believe, offering three different settlement amounts, which I was unaware of until after receiving a phone call in late XXXX from one of your representatives extending a different settlement amount. I wasnt aware of who you were and still am confused. When I received a few text messages, one on XX/XX/XXXX from your company, I thought, is this a scam? At that point, I responded that I declined to pay. The next text came on XX/XX/XXXX ; I guess I missed that one, but on XX/XX/XXXX, again, I declined to pay. This brings me to where we are now ; Im requesting all your documentation, which gives you the authority to collect this debt from me.
Consumer complaint received 2022-11-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-25
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-17
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. (UT)

I have not opened a XXXX XXXX account with XXXX and when charges were fraudulently charged to when they claim is my account, I promptly contacted them on multiple accusation both online, webform and via phone. I was sent a letter from XXXX dated XXXX XX/XX/2022 determining I am not responsible for the charges. 

XXXX even sent me check for fees charged as a result of the error they made. XXXX is now is ending statements adding late fees, all sorts of bogus fees and inappropriately and incorrectly reporting inaccurate and false information the XXXX credit reporting agencies. They continue to send me letters stating that a review of my supposed account needs to be checked and when I do call they claim it will be taken cared of, yet they continue to falsely report the balance to the reporting agencies. I have and can provide copies of these letters. 

This isn't the first time XXXX has engaged in this same activity attempting to scam customers into paying false and inaccurate amount, as I have them to the CFPB and XXXX. I have spoken with legal representative and will files a lawsuit against XXXX if they do not swiftly correct their intentional mistakes.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC (LA)

I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

Called on XXXX with a simple question about changing my homeowners policy and how is the easiest way to handle that. I spent nearly 45 minutes working my way through their phone tree before I finally got a live rep, during each transfer of the process I was told " this is an attempt to collect a debt ''. My mortgage has never been past due and is usually paid 5-8 weeks in ADVANCE. As of today I don't owe a payment until XX/XX/XXXX and they are trying to collect a debt? I finally got a customer service representative who refused to help me, I asked for someone else a supervisor/manager that could answer the question, she refused and then transferred me elsewhere. I will need instruction on how to change my insurance carrier and since it is impossible to work with PHH filing a complaint is the only way to get somebody to discuss this with me.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have two loans and it's giving a balance of {$99000.00} which is affecting my credit score. XXXX XXXX XXXX should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.
Consumer complaint received 2022-11-30
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. (CA)

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 2023-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (AZ)

Date XXXX fraudulent loan take. Out at XXXX XXXX  date reported to credit company Now it is with Jefferson capital collection agency for over {$3000.00}. I have fought this and disputed this for years. In XXXX  I was a victim of identity theft while I was XXXX in XXXX.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

I received mail saying I owed {$630.00} from a bill through XXXX XXXX  for an account that I never opened that I.C System, Inc was trying to collect from me. I have never dealt with XXXX and never opened an account with them. I've never even dealt with any other phone service other than XXXX XXXX.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I opened an account with Citizens Bank on XX/XX/2022. My account type was a Student Checking account, which has no monthly maintenance fee, and I signed up with a bonus, such that for a direct deposit of at least {$500.00}, a credit of {$300.00} would be posted within 60 days. 


I had a qualifying direct deposit of {$550.00}, as well as a personal deposit to start the account of {$50.00}, but later withdrew that money around XXXX to put in a high yield savings account. My Citizens account remained open, albeit at a XXXX balance. This was the case into late XXXX. 

Today, I logged into my Citizens account, to check on the potential bonus, and I saw that Citizens had closed my bank account. I called Citizens, and they stated that they closed the account on a XXXX balance because of potential monthly maintenance fees -- despite the fact that I had maintained a XXXX balance with them for over a month prior -- and due to not having an account with them, they could not honor the sign up bonus guidelines. Further, the sign-up email for a Student Checking account notes " no minimum balances ''. It is phenomenally outrageous to suggest any incorrect action taken on my behalf, when the selling point of the account was " no minimum balances '', and the closure conveniently occurred when I was due {$300.00}. 

At no point did any guidelines suggest that Citizens would close the account. Further, no guidelines on the bonus suggest that Citizens does not owe the money to me, if not in the account, then in the form of a check. 

I received no notice from the bank in advance of their adverse action, and likewise had no other transactions or changes to the account to allow them to void my account and nullify the bonus owed to me. Thereby, I believe I was treated unfairly by my bank, and have thusly contacted the XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASTORIA BANK (NY)

Hi, I sold my house on  XXXX / XXXX / 17  and the title company overnighted the certified check for the payoff amount to the lender and the lender received it on  XXXX . However, the lender returned the check due to their system error. After the title company received the returned check, the title company had to wait a few days to clear the check. on  XXXX  before    XXXX   XXXX   ( eastern  ), the title company wired the payoff amount again. However, the lender took care of it on  XXXX . Thus, I had to pay the additional 9 days interest of {$270.00}.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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: LEXISNEXIS (WA)

I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.