davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I sent in a complaint yesterday, and last night received an email from PHH regarding my account. The first email addressed bogus lates reported by PHH for XXXX XXXX XXXX, now I see that they also reported me late in XXXX. Here is my email to them today. 

I am responding to an email received XX/XX/XXXX from you, PHH. You stated that PHH did not make any error in reporting my XXXX & XXXX payments as late and accessing a late fee and or derogatory make on my credit report. I have reported you to CFPB, as you are wrong. You stated that if a payment is received after the XXXX of the month a late fee of {$94.00} will be charged. XXXX payment was paid in full as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00} WELL BEFORE THE XXXX OR THE XXXX!!!! PHH just doesn't know how to credit payments correctly. Instead PHH puts them in suspense!! 
XXXX payment was also paid in full by the XXXX which is a friday, the XXXX fell on a Saturday and the next business day was a holiday/XXXX  XXXX and many financial institutions were closed. So it appears PHH may not have processed my payment until the XXXX, which is not my problem, since I gave you the money on the XXXX! PHH is a nightmare and needs to stop harassing customers.
Consumer complaint received 2020-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (MO)

I was notified by Life Lock of fraudulent inquiries reporting on my credit file, inquires I did not occur, inquires I have no knowledge of and Im demanding that they be removed. 

1 ) XXXX  XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  XXXX XXXX ) XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX XXXX someone got into my phone and was able to take XXXX from my checking account. They also locked phone and I had to go to the bank to close my account and I had to go to XXXX XXXX to get new phone XXXX XXXX  is how they did this and they are saying it had to have been a family member as they so no fraud.the bank Navy Fedetal is saying I allowed the Person to have my info. 
I did not give anyone my info XXXX is a lot of money to be out. The email the person used on XXXX is closed and you can not communicate with them.i need help here I did spend 2 hours in the XXXX   store getting a new phone and I did open a new bank account. 
XXXX XXXX
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : 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 , XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Consumer complaint received 2023-02-05
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. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC. (NY)

On XX/XX/year> I received alerts from XXXX XXXX I had applied to multiple credit card/ retailers, but I did not. I immediately check XXXX  froze credit account and disputed false information such as address and telephone number. After reviewing credit reports the last 2 months I did not notice any new accounts and assumed nothing was approved. On XX/XX/year> I received email alert of a new account was open with XXXX XXXX I did not apply or open a new account. I tried disputing account and inquiries with Equifax who states inquiries are valid so will stay on account for 2 years, presently still awaiting results to close account/remove inaccurate information.
Consumer complaint received 2022-11-11
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX  XXXX 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 2018-11-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A. (NC)

On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. 

One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. 

Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. 

I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. 

As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. 

All rights reserved
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (IL)

I was injured at my work place in XX/XX/2015 that required a visit to the emergency room. My employer paid most of the bill, but I have only recently been notified of an outstanding bill of {$430.00} that I was not made aware of until I noticed the derogatory claim on my credit score. The collection agency is XXXX XXXX XXXX. They claim to have notified me, but that has not been the case. I have not received any claims in the mail. I beleive this to be a predatory company.
Consumer complaint received 2020-12-30
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. (FL)

I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XXXX XXXX XXXXXXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Consumer complaint received 2020-03-05
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. (MD)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5900.00}, {$2900.00}, {$3900.00}, {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CT)

XX/XX/XXXX I filed a complaint against XXXX via this channel using this forum. 
The number for this is- XXXX. This is what transpired : XXXX Status submitted XX/XX/XXXX XXXX response closed with explanation XX/XX/XXXX Feedback requested XX/XX/XXXX due XX/XX/XXXX ( I decided to not even bother complaining anymore because this company caused enough problems for my family ) The CFPB closed complaint. 

Then XX/XX/XXXX a bill from Sunrise Credit Services Inc. arrived regarding the same account at XXXX. How can they still accuse us of owing them $ when they owe it to us? You can't just make up bills and demand that they pay them. Again, my husband is in finance and now he has a second credit agency coming after him. Something needs to be done ASAP. 
Thank you, XXXX
Consumer complaint received 2020-03-05
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

i paid XXXX XXXX XXXX XXXX XXXX $ for the collection in XXXX and they havent took it off of my credit for Equifax.i sent in the money order and spoke with XXXX from XXXX XXXX XXXX XXXX before i sent off the letter.They Removed it From XXXX but not the other bureaus
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (NY)

This is my initial complaint against XXXX and Equifax, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, XXXX XXXX, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and Equifax about the reporting of these 2 accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & XXXX XXXX due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If XXXX and Equifax are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, XXXX XXXX is showing an account status of open, yet Equifax is reporting an account status of closed. Is the account open or closed? Why is XXXX reporting 2 different account statuses? I reached out to XXXX & XXXX XXXX and I have yet to receive an response.
Consumer complaint received 2020-03-05
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

I had a Wells Fargo account from XXXX to XXXX. They would hold my funds or freeze funds when making deposits. They did alot of fraudulent things to my accounts such as using minor savings accounts to cover overdrafts that were not linked to my checking accounts. 
I have not received notice from the lawsuit. My accounts were in my previous name XXXX XXXX.