davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXXXXXX 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 2022-10-17
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this XXXX concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies.

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Every year that I request my info, I get denied because they " can't verify your identity '' and only after I file a complaint do I magically receive my info in the mail. If all the major credit reporting agencies can not verify my information, they should not be reporting anything about me. If they can not verify my info then factually they must be giving incorrect and fraudulent information to lending and creditor entities about me. 

This should be illegal to provide false information as fact when I have no say in how corporations take this data received from the credit bureaus. Also, how can I prove my identity if my identity is not enough? Everything they are doing is wrong, and it hurts me because now I don't have access to the information companies are scrutinizing about me.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (MD)

I contacted Chime about a identity theft about a account I opened and they stated that they found no evidence of identity theft. I want them to show proof it was my account and that I used it or to remove the account from there system so I can bank with them.
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I have sent letters disputing the discrepancies of my credit reports in XX/XX/XXXX. XXXX and Experian never responded. So I sent a second round in XX/XX/XXXX asking for verification of the accounts that were questioned. They came back as verified. So, I took the next steps that is being described below : Upon reviewing all of my credit bureau reports, I noticed discrepancies with Experian and XXXX regarding my XXXX XXXX XXXX XXXX account. For XXXX, my date of last activity ( XXXX ) was XX/XX/XXXX. For Experian it was XX/XX/XXXX. Experian was sporadically reporting CHARGE OFFs at random. I wrote both XXXX and Experian with a factual dispute stating that there is a huge discrepancy between the XXXX for XXXX account and please delete the accounts. This was in XX/XX/XXXX. 

Transition didn't update my account and it remained on my credit report. Experian " updated '' my account by deleting all of the random XXXX XXXX from XXXX. Then, they chose to add XXXX charge off to XX/XX/XXXX as if this was a new charge off account! ( I am submitting copies of my copies of my XXXX account with Experian ) I proceeded to speak to a representative in person at XXXX. She directed me to Credit Bureau Disputes Department at XXXX. They agree that they shouldn't have randomly added XX/XX/XXXX as a CHARGE OFF. XXXX and then XXXX XXXX at XXXX Credit Bureau XXXX XXXX wrote correspondences to me stating that they have alerted Experian to correct the CHARGE OFF for XX/XX/XXXX. This was in XX/XX/XXXX and it has yet to be resolved by Experian.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I have had a mortgage with Ocwen Mortgage, Loan # XXXX since XXXX ( been a homeowner since XXXX - NEVER made a late mortgage payment EVER ). In XXXX I applied for and received a HAMP loan through them. For the past year I have made multiple calls attempting to get the {$5000.00} I am owed for paying my mortgage on time which I should have gotten after the XXXX ( XXXX ) or XXXX ( XXXX ) year, which was part of the deal. I have my mortgage deducted automatically every month on the XXXX for the current month ( so XXXX XXXX was deducted/paid on XXXX XXXX for instance. ) I have gotten a constant run around from Ocwen. On XXXX XXXX, XXXX I was handed over to escalation manager XXXX, XXXX, who assured me I would receive the {$5000.00} against my principal by XXXX. When I called back on XXXX to see how everything was going, XXXX had left the company and I had to start over. I spoke with XXXX, XXXX, who escalated my case to the Concern Department. On XXXX XXXX and I spoke and he guaranteed I will get my money - he just needed a few more days to research. I had to call back over and over - sometimes he returned my call and sometimes not. Today - XXXX, at XXXX CT - he told me that I paid my mortgage late between XXXX and XXXX so I would not be getting the {$5000.00}. I asked how that can be when I have it automatically deducted each month. He would n't listen and said I would get a letter in the mail. If you look at the documentation I will attach you will see my mortgage payment is taken out every month on the XXXX ( statements show a day or two later for it to clear ). However, if you look at the transactions they have on line ( also attached ) it will make your head spin. They clearly applied and then deducted/suspended many many times over the payments I made. And now they have sold the mortgage to XXXX XXXX XXXX so I am stuck between the two. I 'm hoping you can help!
Consumer complaint received 2022-10-01
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. (TN)

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 XXXX XXXX XXXX XXXX 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 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 2022-10-01
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. (NC)

accordance with the Fair Credit reporting act XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a garnishment and I tried speaking to Bank of America legal department and explained that the {$1000.00} was mine and it was taken out of my retierment money. I went to court and the judge ruled in my favor. They still refused to release the money because I closed the account. Please see what can be done. My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL Phone XXXX email XXXX Thank you for you attention. 

Wwe
Consumer complaint received 2022-10-01
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. (IN)

XX/XX/XXXX - I received postal notification for collection of debt from XXXX XXXX XXXX ( c/o XXXX XXXX XXXX XXXX for {$3500.00}, account # XXXX. 

Per my XXXX credit report this account was opened on XX/XX/XXXX. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX to dispute inaccurate reporting of debt to the XXXX credit bureaus ( XXXX, Trans Union, and XXXX ). 

XX/XX/XXXX - A debt collection of {$3500.00} was placed on my credit reports with all three credit bureaus ( XXXX, XXXX, & TransUnion ). 

XX/XX/XXXX I disputed the collection of debt for {$3500.00} with XXXX XXXX XXXX on XX/XX/XXXX with all three credit bureaus asking each credit bureaus ( XXXX, XXXX, & TransUnion ) to complete a thorough research to verify if debt belonged to me. 

XX/XX/XXXX I completed thorough research of the debt and found improper inaccuracies with my credit report concerning XXXX XXXX XXXX. 

XX/XX/XXXX XXXX Credit Bureau notified me they could not verify the debt as accurate and deleted XXXX XXXX XXXX from my credit report. 

XX/XX/XXXX XXXX Credit Bureau notified me they could not verify the debt as accurate and deleted XXXX XXXX XXXX from my credit report. 

XX/XX/XXXX TransUnion Credit Bureau notified me the verification of debt as accurate and XXXX XXXX XXXX remains on my credit report in collection for {$3500.00}. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX 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, states A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (AL)

After I had completed the payoff of all but one of the debts I had listed with their company, Freedom Debt Relief convinced me to open a loan with their " sister '' company. I signed documents via email that were supposed to be finalized once final negotiations over an {$8000.00} XXXX bill were complete.I continued to make payments in the amount of {$390.00} per month while the amount of the reduction was supposedly being negotiated. 
During the time of the negotiations, the company was purchased by another company called XXXX. 
I have never received a final packet on the loan, no transition documentation on the loan, or any information as to who my contact is or a phone number or anything. But I did receive a notification from XXXX that a new account has been entered on my credit report for {$12000.00}. 
My last statement from XXXX shows a balance of {$1200.00} in the account the previous settlements had been paid with and that money was supposed to be transferred toward the loan amount of the final bill. 
The company refuses to communicate with me probably due to their inability to answer where did the bill amount come from, what happened to the funds in the other account and why can I not get a hard copy of all the information pertaining to the loan transition between companies? 
The amount seem excessive and their refusal to communicate is infuriating. Their phone staff is a bunch of young kids who have no ability deal with people and
Consumer complaint received 2024-03-12
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2022-10-01
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. (GA)

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. 

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, 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I recently took a job from XXXX  as a XXXX XXXX. I was to transfer money from verified company account. The dust transfer locked my Bank of America account. I called Bank of America to see why this happened. I asked them if anything looked suspicious. After over four hours on the phone with them they told me they don't know and went ahead and re-opened my online transfer account. This happened a total of four times, with two transfers going through. The company I took the job from turned out to be fraud. Now my account is negative by multiple thousands of dollars. And Bank of America is holding me full responsible and withholding my student loans. Even though I spent a minimum of sixteen hours on the phone trying to figure out if anything looked suspicious and why my account kept locking up. I kept them included since day one. And they have been absolutely horrible since this happened.i have filed claims and done all the necessary steps.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (PA)

I was contacted 3 times by Medicare prior to receiving a statement from them. I received the statement regarding a bill from XXXX XXXX. I called Medicare and requested additional info. They said I had to call XXXX. I requested information from XXXX XXXX. I then contact Medicredit to advise I was awaiting additional information but would make a one time good faith payment of {$50.00} until I receive the requested information. XXXX at Medicare took a one time {$50.00} payment over the phone. The next day I received notification from my bank of 2 {$25.00} charges from a company name I did not recognized. The 2 {$25.00} payments were flagged and my debit card marked hot and I did not recognize the name of the company nor the amount of the charges. I had to leave work early and go to the bank to correct the problem. I called Medicredit after finding out the charges were from them. However, the charges appeared as 2 {$25.00} payments and the name of the company was not Medicredit. I asked to speak with a manager and was told I would receive a call back. I did not. I called again today. I spoke with a manager XXXX and explained I believed the 2 charges of {$25.00} to a company name I was never given was fraud. XXXX said I have 2 balances with XXXX. Their system is set up to apply the payments to the oldest bill. I advised her that I did not give Medicredit permission to make 2 {$25.00} charges. No one told me the charge would be split nor did they tell me the charge would be made under a completely different name. I gave permission for one {$50.00} charge only. I believe Medicare committed fraud by making 2 separate {$25.00} charges to my account without permission.
Consumer complaint received 2024-03-12
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (GA)

XXXX XXXX ACCOUNT # XXXX {$14000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$33000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX {$2500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX {$260.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3300.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX {$1500.00} DATE OPENED XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: South East Collection Specialist (ND)

This company leaves a voice-mail insinuating that they are representing me as my lawyer. Also when I called back they wanted me to give personal identifying information to them before validating who they are or why they are calling. Also saying that they received my information from a 3rd party. I kept the deceiving voice-mail. I asked them to stop calling. I followed every rule on the FTC website and they do not