davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

Hello I am currently in bankruptcy and my home with PRMG loan is within that bankruptcy. I was made aware of the cares act and requesting a forbearance due to Covid and I sent the request directly to their website on XX/XX/2020 and still have not heard back from them. I am unable to reach them via phone Because the system is always automated and redirects you to another automated system so you never get to speak to a real life person! I still have not received any communication as to my status or an update on my request. I am very concerned because of my financial hardship. I am trying my best to work with them but I do not hear back from them. 

The mortgage company is PRMG and the incident number they have reported as solved meanwhile I have not heard back from anyone! They have links on their website saying that they will help you during this hardship due to Covid and ask you to request a forbearance virtually but then you do not hear back from anyone else it says youre going to hear back from us within 7 to 10 business days and its been well past that point! I am very concerned and I need help with this cares act I need to hear back from them as soon as possible.
Consumer complaint received 2023-05-29
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)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022.
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

At this point I don't know what to do anymore. I'm sitting here crying while typing this complaint. This is my second complaint, I was accuse of not being me? I've been going through this process way too long and I can't take it anymore. I'm in distress and I truly feel like I'm being taken advantage of and I feel like I am being ignored. In my first complaint Experian responded saying I wasn't me I'm sick of going back in forth. Again, I submitted a dispute XX/XX/2020 and have yet to recieve any indication that my disputes are being investigated and I haven't received any results. In section 611 a it's stated that a failure to investigate the items I disputed within 30 days is a reason to remove those items from my credit report and it's now been over 40 days. I demand that these accounts be deleted immediately or I will be filing for litigation due to the XXXX  you have caused me and my family.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-06-10
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXX  # XXXX XXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX, # XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2023-05-29
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. (GA)

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$9800.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Although I have emailed and phoned my mortgage company multiple times ( they NEVER pick up the phone and have had me on hold for 2+ hours and then my phone goes dead ) then when following up with emails to them, they never respond with an answer to my questions. I first applied for a loan modification in XXXX, but ongoingly they would not give me a decision/answer in any form. Then when pressured by me via email this month to let me know of their decision, I finally received a reply by mail that my request had been denied. It was then when I requested several times via their website a forbearance for my current mortgage. Again, no answer from them. 
Further background of this situation is as follows : I was diagnosed with a serious XXXX XXXX at the beginning of this year. I had to have a valve replacement, and then in XXXX I was informed that I am so advanced into XXXX XXXX that I am going to need a XXXX XXXX. My XXXX  told me I would not be allowed to go back to work until I could receive the XXXX  for XXXX Although I receive Social Security payments monthly, it is not enough to pay my bills including my mortgage. I was able to eek by and send my XXXX mortgage payment, but for future it will not immediately be possible. The main reason payments for XXXX and beyond may not be possible for me is especially this : I have had an adjustable rate mortgage for many years, and my highest payment has been {$750.00} during that time. I was forewarned that my payment would go up on XX/XX/2020 to {$2200.00}. And, indeed it did. I have been turned down when requesting first a loan refinance, and then the loan modification. That leaves me in a real pickle. Since I felt then that I should at least deserve a forbearance intervention, as I have said, I applied with them online at least three times and never have gotten a response to my request, in any form.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

My mortgage is through Wells Fargo. I have been an excellent customer for approximately 11 years. I am going through a divorce and contacted WF to advise them I was now a single income household. To try to keep from getting behind on my mortgage I made a partial payment in XX/XX/2017 of {$800.00}. To date the funds have not been applied. I have contacted WF several times asking for the money to be applied or returned to me. I was advised that the money would not be returned to me but would be applied at a later date. It has been 3 months and the funds have still not been applied as a payment. I asked if I could send the remaining payment balance in and include the funds being held to make a full payment and I was advised no, that I had to make payment in full but could not use those funds. I made a full payment as requested but the funds have still not been applied.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (HI)

I'm a desperate consumer. I don't know what else to do to get a response from Barclays. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

I thought the account was closed, as I couldnt login to account. The card he had was expired, I thought I was getting a replacement card. Then an {$89.00} annual fee came on and I ended up being over 90 days late. I wasnt even aware of this fee. 

This company has been reporting wrong information. 

Barclays has been negligent. They have committed the following actions, which are considered busines ' violations.Unfair business practices, Failure to provide adequate customer service, Breach of contract, Negligence, Violation of Cares Act. 

Account : # XXXX, Date Opened XX/XX/2000, Balance {$390.00}, Credit Limit {$40000.00}. 

I WANT THE LATE PAYMENT CORRECTED AS A COMPENSATION FOR ALL THE DAMAGES THAT I HAD TO GO THROUGH. 

Please sed the attached documentation to this company. 

Thank you.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

PLEASE BE ADVISED RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED INACCURACIES ON MY ACCOUNT. THE BELOW ACCOUNTS LISTED ARE HURTING MY ABLITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESES ITEMS FOR ME TO ENSURE ACCURACY. PLEASE HELP ME WITH THE BELOW LISTED ACCOUNTS!!!!!!! I HAVE FILED A CONSUMER COMPLIANT AGAISNT THE LISTED COMPAMIES BECAUSE OF THIS INFORMATION THAT IS HURTING MY CREDIT AT THIS TIME SO THEY CAN ALSO INVESTIGATE THE ACCOUNTS being reported twice by Capitol one same account on my credit report account # XXXX and they are reporting same account with different dates and amount on same acct
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I responded to a letter they sent me regarding an indebtedness, With an explanation of my situation with also a payment towards the debt, In that letter I clearly stated to stop all phone calls. They are continuing to call on both my cell as well as another number
Consumer complaint received 2024-03-04
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. (FL)

I am writing to your office in relation to my ongoing concern regarding inaccuracies in my credit history, which, despite my previous communication, remain unaddressed. 

As previously stated, the disputed accounts were : XXXX - Account # : XXXX, XXXX - Account XXXX : XXXX, and XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX, continue to be incorrectly reported on your records. 

I have previously informed you that these discrepancies have been rectified and deleted on my XXXX credit report. The inconsistency between XXXX and Experian report with that of XXXX prompts questions about the accuracy of their verification processes. It is disheartening to see discrepancies tolerated, as it appears to be a violation of my consumer rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

As per my comprehension, this law entails that upon notification of a dispute, the consumer reporting agency should conduct a reasonable reinvestigation within a 30-day period to determine the accuracy of the disputed information and remove them from my credit report if they are found to be inaccurate. Despite previous attempts, the inaccuracies still persist on my credit history, causing significant mental and emotional distress and affecting my reputation and my credit ratings. And still, you continue reporting the same inaccurate accounts on my file.

I am asking them to take immediate action to rectify this situation and ensure that my credit report accurately reflects my true credit history.

I want to bring to their attention the potential legal implications outlined in the Civil liability for negligent noncompliance. Negligence in complying with the requirements may result in liability for actual damages and legal costs. 

I urge these credit bureaus to promptly correct and delete these inaccuracies to align with XXXX 's records. I believe this is crucial not only for the accuracy of my credit history but also to uphold the standards set by consumer protection laws. 

Your immediate attention to this matter is appreciated, and I anticipate a swift resolution to alleviate the distress caused by these inaccuracies.
Consumer complaint received 2023-05-29
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-29
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I wrote a letter to Experian asking them to verify inaccurate information on my credit report from two accounts, XXXX XXXX and XXXX XXXX. They have failed to verify the inaccurate information and remove them from my credit report. They have failed to comply within the 45 days allotted to investigate. I have wrote to them on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response. I am asking to file a formal complaint against Experian for complete disregard to FCRA regulations.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I have student loans that were in default as far back as XXXX with XXXX XXXX. In XXXX I was made aware of the consolidation option through Navient which I completed in XXXX, XXXX. In XXXX I contacted XXXX XXXX to discuss the old loans on my credit report ( at least 9 years old ) and was told my information was with Navient. Upon contacting Navient I was told there was nothing they could do because they do n't have my files and I needed to contact XXXX XXXX. Long story short I was given the run around for several months and finally got through to someone at Navient that explained to me that they DO have my records but could n't do anything concerning how they are reported to the credit bureaus. I basically gave up because I was tired of the run around and to this day ( almost 11 years after some of the loans ) they are still on my credit report. I was also told that my application for income based repayment was n't complete because of a missing 1040 form. I contacted Navient and they told me the IRS site was " broken '' and that 's why it was n't imported. My payments are set to go up to $ XXXX beginning XXXX. Hopefully I can get the info one of the other ways they described in time to get my payments reduced because I do n't have $ XXXX to pay Navient.
Consumer complaint received 2023-05-07
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. (MS)

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 : # XXXX has violated my rights. 

Account name : # XXXX has violated my rights. 

Account name : # XXXX has violated my rights. 

- [ ] 15 U.S.C 1681 section 602 A. States I have rights to privacy.

- [ ] 15 U.S.C 1681 Sextion 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 ) Secrion 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 2017-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking account at Bank of America. I unexpectedly had XXXX charges put through which overdrafted my account. But I covered them within hours with a transfer of {$100.00} from another account, plus a cash deposit at the bank 's ATM of {$60.00}. But the bank still put through XXXX {$35.00} overdraft fees. This resulted in a negative balance again because the bank rearranged the charges to my account from high to low and I accidentally paid for a coupon to fill a prescription drug on a website called XXXX XXXX. The website automatically stores credit and debit card numbers and I accidentally hit the debit card number to my checking account and a {$28.00} charge was put through my account which overdrew the account even more I do n't have any more money to bring my account back to positive territory. I will be getting an extended negative account balance charge in five days that I wo n't be able to cover. I called customer service at the bank to ask them to remove the overdraft fees because I had covered them within hours. They were very cold and cruel and refused. 

I have no money to buy food or pay for my prescription medications. Please help me. I am living on Social Security XXXX and have a XXXX illness.