davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-01
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: Experian Information Solutions Inc. (MI)

On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.
Consumer complaint received 2021-08-01
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. (MI)

On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.
Consumer complaint received 2022-01-02
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. (NC)

XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor
Consumer complaint received 2021-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/XXXX, XXXX XXXX XXXX ( via servicing arm XXXX  ) transferred servicing of my loan to PHH Mortgage, formerly known as Ocwen.

I received a notice of servicing transfer from XXXX. I received no such notice from PHH. The effective date of servicing transfer is today, XX/XX/XXXX. I called PHH on XX/XX/XXXX to make sure that they were in receipt of my loan, and that my mortgage clause would be changed on my homeowners insurance binder. The agent on the phone went to " check with their insurance department '' and promptly hung up the phone. I decided that this was no big deal, I would wait until XXXX to make sure things went smoothly with the transfer. I left a message with my insurer, XXXX, asking whether they were aware of a servicing transfer. I never received a call back.

I attempted to call PHH again on Friday, XX/XX/XXXX during their stated business hours. However, when I went through the automated phone system, the line disconnected. Nobody answered my call no matter how many times I tried to call them. 

It is now XXXX. I have not received the notice of servicing transfer from PHH, only from XXXX. When I attempt to create an account to make a payment with PHH, I am unable to do so, and the website/app are telling me they are " unable to find your loan. '' I am entitled to pay PHH beginning today, but I have no way to view my mortgage account. I can not call them on a weekend, since they have closed their call centers. The PHH automated phone system does not give me any information about any loan they are holding, despite the fact that they are my servicer beginning today.

Additionally, I have learned that I will need to pay a fee to make ACH payments. I view this as an unreasonable fee and an undisclosed interest payment. This is unacceptable. The CFPB needs to do something about this immediately. PHH seems more interested in letting payments go into default than letting us pay down our debt.

I am missing the transfer of servicing notice from PHH, which is my main concern. My secondary concern is that there is no way to pay them without sending a check for an account that, according to their system, is not active on the effective date of servicing transfer. If I were to send a check, how would they post it to my account if they have no records of being the servicer? 

Thank you.
Consumer complaint received 2022-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute by mail to Transunion regarding a credit card account with XXXX XXXX. I advised them there were inaccuracies on the information being reported which is having a huge negative impact to my fico score. Transunion sent a generic letter stating the information was verified and confirmed valid. It is clear there was no actual verification of the information because inaccuracies are still on the report and nothing changed. I requested a method of verification which was dismissed by them and not provided. I am requesting for Transunion to do an ethical and actual correct investigation so the information is reported accurately or they need to delete the tradeline completely. Transunion is currently approving a false manipulation of the statue of limitations on this account by not correctly validating the information and actually doing an investigation.
Consumer complaint received 2019-02-08
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. (NC)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-07-31
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: Experian Information Solutions Inc. (DC)

I contacted EXPERIAN on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EXPERIAN had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), 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. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EXPERIAN remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I have been a ward of the state since I was XXXX XXXX of age I am now XXXX years old some addresses on my account does not belong to me I have accounts that have been opened in my name that doesnt belong to me some states I never been too and this has been a problem for years I have a block on my social now because of this situation and Im an currently receiving new accounts that I have no knowledge of
Consumer complaint received 2024-03-19
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. (AZ)

I am writing to express my frustration and disappointment with the repeated failures to correct the late opening of my account. Despite multiple attempts to rectify this issue, it remains unresolved, causing significant inconvenience and frustration. 

After completing all necessary documentation and fulfilling all requirements as instructed by your team, I expected my account to be opened within a reasonable timeframe. 

However, despite assurances from your representatives, my account was not opened within the agreed-upon timeframe. This delay caused me considerable inconvenience and disruption to my financial affairs. 

Despite my initial complaint, I received no satisfactory resolution. Subsequent attempts to correct the issue were met with further delays and excuses. 

I made several follow-up inquiries to your customer service department, seeking information about the status of my account opening. Unfortunately, these inquiries yielded no concrete results. 

In light of the lack of progress, I filed a second complaint on [ Second Complaint Date ], reiterating the urgency of the matter and the need for immediate action. 

Despite my repeated attempts to resolve the issue, my account remains unopened, and I have not received any updates or communication regarding the status of my application. 

I urge you to take immediate and decisive action to rectify this situation. I expect a swift resolution, including the immediate opening of my account and access to all associated services within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a prompt and amicable resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  XXXX Balance Owed : {$490.00}.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting incorrect payment history for my XXXX  account Account # XXXX. They are reporting late payments, they must be corrected to reflect a 100 % on time payment. I have attached documentation of how it is actually reporting to other bureaus. With perfect payment history. Transunion must correct the incorrect payment history because I have provided proof that the history of payment on the account is perfect.
Consumer complaint received 2021-08-01
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One recorded 5 late payments on my credit report. For years it was 4 but recently they tacked on a 5th. I was in a bad place in life and called to let them know I was I couldn't make my payments so I was told I was on a suppression program that would give me time to get back on my feet. For which I did. They claim I was told that the interest was only suppressed and not my minimum payment. I disagree and claim I was given misinformation. They have yet to provide the phone conversation that shows that I wasn't given misinformation or that I understood what I was being told. I would like to be sent this recording as well as statement for the entire year that they say my payments were late in. 

All the proff aside they have an opportunity to help someone out and retain a customer and yet they seem to be more interested in hurting my credit than anything. XXXX I will file these reports over and over again! You have already been repaid. You have nothing to gain by refusing to delete those late payments and are continuing to not just lose a customer but you are paying someone to deal with my complaints. Again I will continuing to file complaints and disputes over and over again. I will cost me as much money as I can until you do the right thing and delete those payments. 

Your stance his highly illogical and anybody in your management department reviewing this case should see that the logical cost effective way to handle this is to just delete the late payments and move on. Maybe I will appreciate the gesture enough to give you another chance one day and we can both profit again.
Consumer complaint received 2021-07-29
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. (FL)

Guys please help me. I have a lot of unknown inquiries in my profile. I have no idea how that happened but the only one thing I know for sure that they are not mine. I do not know them, someone filed them or its error or identity theft I do not know but I am begging you to remove them as soon as possible because I can not proceed in my life planning.
Consumer complaint received 2021-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal incorrectly deducted {$2200.00} from the mortgage escrow account on XX/XX/2021, when it tried to make a duplicate XXXX  tax payment. The tax had already been paid by the closing transaction attorney, as described in Navy Federals closing disclosure ( attached, prepaids page 2 ). The XXXX sent the check back to Navy Federal on XX/XX/2021 ( email attached ), but the funds have not been returned to the escrow account.

The incorrect escrow shortfall caused Navy Federal to raise our total mortgage payment by {$210.00} going forward. I contacted customer service about this three times, each time they said they would respond in 10 days but never did. The returned XXXX check should have been voided or cancelled, and the funds returned to our escrow account, and mortgage payment returned the original amount.
Consumer complaint received 2022-01-02
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. (CA)

FCRA Violations ; Not mine, Names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine ; Hard inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MoneyLion Inc. (GA)

Well I have reached out to my bank and to to the people who took money out of my account and never got ahold of the company so I went thru my bank to settle this I got two payments that were given back to me on different days and another issue is the bank I use there is XXXX dollars that was added to my account theu XXXX XXXX that I did t even use i it had that I could use XXXX dollars out of XXXX and then a day or two later it had I owed XXXX dollars witch is wrong because I didnt even use it all but they are wanting me to pay it back and then they have this credit builder loan that you can apply for it I was able to get XXXX dollars but was only goven I XXXX  dollars like you have to pay off the XXXX dollars and I think the XXXX they have in reserve you have to pay that too and then they give you the XXXX witch dont make since because of Im buiilding my credit then give me the whole XXXX and pay back in monthly payments like that not give me XXXX dollars and then I have to pay back the whole loan before I even get the rest because people like me I. Financial hardship really need that money abd I felt mislead on that
Consumer complaint received 2022-01-02
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 — Investigation took more than 30 days
Company: LEXISNEXIS (MN)

XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Clerk of court XXXX XXXX Please provide required and requested information that has been asked of you on the last 7 dispute. I have provided you with address and phone number of whom you need to contact. 

XXXX
Consumer complaint received 2019-02-08
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. (NC)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX
Consumer complaint received 2022-12-17
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. (VA)

On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XX/XX/202XXXX XXXX XXXX XXXX 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 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

I never received my {$99.00} companion certificate from my XXXX XXXX CitiBusiness Platinum Select card. 
Opened account and made first charge XX/XX/XXXX. By XX/XX/XXXX spent {$45000.00}. Annual fee of {$99.00} was on My XX/XX/XXXX statement which I paid. 

XX/XX/XXXX go to book flights and can't find companion certificate in my digital or app account with XXXX XXXX or on Citicard account. I called Citi customer service and was told they mailed it in XXXX but would send another. I received a letter from Citi dated XX/XX/XXXX that the companion certificate will be sent under separate correspondence and it will be digitally accessible at XXXX and in the XXXX  XXXX XXXX within 8-12 weeks. Letter said to call XXXX if I need further assistance. 

XX/XX/XXXX I received an email for XXXX XXXX with American Advantage who told be Citi handles the certificates and I need to request it from them. 

XX/XX/XXXX I spoke to XXXX at XXXX. She spoke to account services and they said validated the certificate and I would receive it by letter and email in the month of XXXX. 

XX/XX/XXXX I called XXXX and was told I would receive the companion certificate in 7-10 business days. 

XX/XX/XXXX received a letter from Citi thanking me for contacting our Customer Service Team but the offer I received was for a limited time and the expiration can not be extended. I never asked anything about an extension. I received this letter XX/XX/XXXX. 

XX/XX/XXXX Called XXXX Spoke to XXXX, she said there was a request in the system dated XX/XX/XXXX requesting the certificate.
Consumer complaint received 2021-07-31
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. (NJ)

Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX XXXX XXXX XXXX  is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.