davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I requested my mortgage statements that have Ocwen and Homeq were hiding from us. Phh mortgage now owns them and has to be accountable for all of their theft. When I received the statements via certified mail I almost passed out. So much money has been stolen from us that it is beyond unreal. There are fake insurance companies, fake account numbers on our credit report, fake nsf charges for returned checks ( i do not even have a check book ), fake late payments, fake escrow charges and etc. You can see where they copy and pasted payments and then deleted them. They made a HUGE mistake when XXXX payments show in XXXX. 65 percent of the statements have been altered or forged. My XXXX XXXX payments are missing and none of the escrow accounts are correct. Then they were illegally charging me XXXX dollars from our account to pay them. Its illegal. I have asked for a payoff STATEMENT 6 times and they keep sending payoff quote. I want the statement not the quote. They refuse to give it to me because of the theft. Then they went under the website and put in parentheses not actual payoff under all my statements. They just did this on Friday of last week. They know XXXX XXXX is about to hit the fan. It is unbelievable. They whited out so many numbers and then replaced them with numbers to cover the stealing. There are so many people they have defrauded but none of them is XXXX as me. 

They took almost XXXX out of our account several times and have it under long-form as an explanation. There are nsf charges for XXXX and late fees when we paid on the first through bill pay. 

We are devastated and so upset they did this. I want them prosecuted and I want to sue them. I want the deed to the home asap and I am XXXX off. They refuse to respond and I am sick of it. I meet with an attorney Friday to start the lawsuit. I have all the proof you need!
Consumer complaint received 2020-03-17
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: ALLY FINANCIAL INC. (NJ)

In response of an Ally Financial Bank letter that I recieve on the XX/XX/XXXX via NORMAL mail ( not 2 days mail or priority mail ). 
see attach documents. 

ALLY Financial Bank send me a letter dated on the XX/XX/XXXX with an advidavit form to be filled and to be notarise and stated that if I do not send this advidavit letter/form in 15 days from the date of the letter Ally Financial will report to the credit agencies that this account is legit, Well how the heck do Ally Financial think that in less of 5 day I will do all of this ( from XX/XX/XXXX to XX/XX/XXXX is already 10 days ) ... THIS IS THE KIND OF GAMES Ally Financial Bank is playing with me since day one of my first dispute. 

For more than 8+ months ( 240+ days ) I am disputing this account direct to Ally Financial and via the 3 credit reporting agencies, requesting any SIGNED contract between my person and Ally Financial and documents that proof that Ally Financial had the right or my autorization to sell all my Confidential Private information to Portfolio Recovery Assosition, as SSN, mail adress, Names, phone number, birthday date etc etc. 

WELL NOW IF IN 15 DAYS FROM THE DATE THAT ALLY FINANCIAL SEND ME THE ADVIDAVIT FORM/ LETTER REQUEST ( XX/XX/XXXX ) I DO NOT RECIEVE ALL THE REQUESTED DOCUMENTS THAT I AM REQUESTING SINCE 8 MONTHS AGO I WILL NOT HESITATE AND WILL FILE A LAWSUIT AGAINST ALLY FINANCIAL BANK IN MY MUNICIPAL OR LOCAL COURT.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-31
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I'm currently working on identity theft. gov and they are asking me to follow the steps to file identity theft with my credit cards ( capital one and XXXX  XXXX  ). I've already tried to talk to the credit cards directly but nothing was working. so identity theft was the next step I decided to take. At this point, I don't really know what to do because in total iits around 6k in debt that i had nothing to do with. plus I'm afraid this going to affect my school loans or even purchasing a home. this is affecting my credit score horribly and I'm pretty much lost at this point. 

XXXX XXXX email- XXXX phone ( XXXX ) XXXX please help me.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (TN)

I filed a complaint with Equifax in XX/XX/2022 and never heard anything. Per XXXX XXXX  missed payments that were incorrectly reported were removed. I contacted Equifax and they informed me that the dispute was closed. I asked why didn't I receive some updated information and XXXX mentioned that they do not update consumers that we have to call in. I have several items on my report that are not mine or reported incorrectly. This is affecting me from getting approved for a mortgage. My score has dropped well over 100 points actually XXXX points without any explanation. I asked for signed documents of my signature and they couldn't provide it.
Consumer complaint received 2022-03-25
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. (TX)

in accordance with the fair credit reporting act.the following accounts have violated my rights. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX XXXX XXXX account # XXXX 3 ) XXXX XXXX account # XXXX0 4 ) XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 a. states that i have the right of privacy 15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on acredit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX  XXXX XX/XX/2022
Consumer complaint received 2021-06-17
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NY)

NAVIENT Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

NAVIENT - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hello, I am writing to complain about incorrect credit information which is appearing on my experian credit report for a XXXX credit account. XXXX  on XX/XX/2020 reported my account as 30 days late to experian. This update flagged my account negatively and brought my score down by 21 points. I worked with XXXX to resolve the issue and have them correct it at their end ( I have a letter from XXXX which confirms the correction ) .However the department within XXXX which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to experian. I also worked with experian to rectify this error by providing them supporting documentation from XXXX but as per experian they have not received any updated information from XXXX  to remove deliquency. I have been thrown in circles by both of these companies- experian and XXXX  credit reporting department. XXXX, on each call has confirmed that from their end the account is current and has never been late however Experian is still reporting the account as 30 days past due in XX/XX/2020. This is a pure example of missing links in the process which XXXX  uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify information with banks. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me to move forward in my home buying process. I would like to request experian to remove 30 day delinquency attached to my XXXX  credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. 
Thanks
Consumer complaint received 2022-12-31
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to correct this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$760.00}
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Following financial institutions failure to access my ChexSystems report ( receiving a Third-Party Freeze Alert along with the QualiFile Score of XXXX and reason code XXXX ), I contacted ChexSystems over the phone in in XX/XX/XXXX. ChexSystems agent asserted that 1 ) given that there is no security freeze on my consumer file ChexSystems will provide my report if a financial institution requests it, 2 ) third parties information are not used and can not result in ChexSystems ' failure to generate report. 
In contrast with both of the above assertions, ChexSystems responded to a prior CFPB complaint ( XXXX ) asserting that they refused to generate a report requested by a financial institution ( XXXX XXXX ) although there was no security freeze on my ChexSystems consumer file. Furthermore, ChexSystems admitted that their refusal to provide the report was due to a freeze on my consumer profile at XXXX which is a separate and different consumer reporting agency ( a third party ). 
Not having XXXX information on file can not be a valid reason for refusing to generate a ChexSystems report. ChexSystems is expected to generate a report to reflect the information that they HAVE about a consumer. If ChexSystems does DOES NOT HAVE some information ( such as XXXX information ), they must simply produce a report without that information ( instead of refusing to generate a report at all ). 
For all future inquiries, I request ChexSystems to generate my report with whatever information they have on file at the time of financial institution inquiry. As soon as ChexSystems is ready and able to generate my report as requested, I would like them to contact ( email : XXXX, phone : XXXX ) and inform me so that I let the XXXX XXXX ( and potentially other financial institutions in future ) know that they can access my ChexSystems report upon inquiry. Finally, I request ChexSystems to merge and reduce all inquiries from XXXX XXXX into one inquiry, because the only reason that XXXX XXXX made multiple inquiries to open a checking account, was ChexSystems refusal to provide the report upon the Banks first inquiry.
Consumer complaint received 2022-12-31
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to correct this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$760.00}
Consumer complaint received 2021-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-03-17
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. (PA)

Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I paid off the full balance of {$7000.00} on the card on XXXX which was before the due date of XXXX and now they say I owe them {$84.00} in additional interest. They said they would report it to the credit bureau if I didn't pay it. I paid the statement balance in full before the due date! This charge information was from an email alert that my new statement was available on line and showed this interest charge. I called to discuss with them and the rep had a very lame excuse on the interest charge. I closed the account and said I had no intention of paying them and I was going to file a complaint. I did this type of payoff on other credit cards in late XXXX for my retirement in XX/XX/XXXX. That was where I got the " no additional interest if paid in full by the due date '' from the others.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

Good evening, I am past due on the rent from XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL XXXX, due to the pandemic. It was for the last two months of the lease only. Otherwise, I was an excellent tenant. They were offered a credit card but refused it. I lived there for 5 years total and I also asked to be released from the lease without penalty for XXXX and XXXX but I received no response. It was beyond the state statue for sales tax on short term rentals which is 6 months and 1 day. 

They sent my debt to National Credit Systems XXXX. XXXX XXXX XXXX, GA XXXX. 

I was laid off due to the pandemic. I called National Credit systems on XX/XX/21 and left a message and again a week late and spoke with XXXX XXXX. I informed them that I applied to XXXX XXXX for rental assistance due to the pandemic and that they had permission to speak with them. However, XXXX informed me that they could not speak with a debt collection agency. I have sent two emails to XXXX with no response from them. I asked them to recall the debt and have it paid in full. I finally filed a complaint with the Dept. of Agriculture and Professional regulation. 

I received a threatening phone call this evening from National 's lawyer. I have been trying to work with this management company. They have not offered the best service in XXXX XXXX anyway. XXXX was in trouble just a couple of years ago for taking affordable housing tax credits and writing leases to people who worked outside of XXXX XXXX. So, they do not have the best reputation. 

I would like to resolve this issue and move on. I have been informed that my application is moving through the system and I expect it to be approved within a few weeks. They said it takes 6 - 8 to complete the process. 

National 's lawyer called my business phone number which is illegal. 

They want to get paid yet they refuse to cooperate. What else can I do?
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, XXXX, reports incorrect civil and collection data to leasing background companies such as ; XXXX XXXX, XXXX, XXXX XXXX, etc.Mostly leasing background check. 

This is hindering me from getting the home I so desperately need. Please help me. Im determined to contact the media or whoever I have to, in order to get this resolved. 

Please help me expedited, Im living in hotel.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.
Consumer complaint received 2020-03-17
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. (CA)

I was denied for getting a loan with XXXX today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.
Consumer complaint received 2020-03-17
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. (CA)

I was denied for getting a loan with XXXX  today XX/XX/20 because there are items reflecting badly on my credit report. One of the items is from a company called XXXX XXXX XXXX. I am not affiliated to this company in any way nor did I allow them to access my credit information. I have no idea who opened that account on my behalf but I did not benefit anything from it such as money, goods, services or any other benefit. I did not make any payments towards this account I have already reported it to the CFPB as well as my local police department. I have filed this report to the best of my knowledge and will report any new information regarding this unauthorized account and inquiries listed on this report.