davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/XXXX I used online bill pay to send {$100000.00} to my HELOC to pay down the balance. I didn't realize my bank ( XXXX ) had moved it's servicing business away from PHH and the funds were not credited to my HELOC account. I called during the week XX/XX/XXXX to retrieve the funds. I have been calling 2-3x per week since then. 

I have submitted proof of payment to PHH but PHH are not returning my funds. PHH claims they sent the money back to XXXX but are refusing to provide proof of payment. 

I have called more than 10x to try and get my {$100000.00} back but am always told that PHH needs to find out what happened with the cash department and get back to me. They never do. 

These are the people I have spoken to at PHH : ( XXXX ) XXXX XXXX XXXX extension XXXX XXXX exension XXXX XXXX - ( don't have extension ) https : //www.phhmortgage.com/
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 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 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 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not give your company permission to publish unverified information on my credit file for the following accounts XXXX XXXX. 
You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 15 U.S.C1681i if it simply parrots the information providers electronic response.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
* NOTE : Please also remove all non-account holding inquiries over 30 days old. 
Under 15 U.S.C 1692b communicating with any other person than the consumer without consent is a violation and infringement on a consumers right to privacy.

Under 15 U.S.C 1692a ( 3 ) consumer means any natural person. I am the natural person which makes me the consumer and they are violating my rights as a consumer.

Under 15 U.S.C 1692a ( 5 ) term debt means any obligation or alleged obligation. In this case its alleged Under the FDCPA 15 U.S.C any debt collector who fails to comply with any provisions is liable to a equal sum of {$2000.00}. I will be attaching a invoice.
Consumer complaint received 2021-09-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Navient is reporting good that Ive been late on my payments during the pandemic when there was a deferment of the payments during the pandemic by the government. Navient has been shady in general but this is XXXX. After an investigation they added even more late payments on instead of removing them. The government has stated no payments are required. I havent had this issue with XXXX, only Navient. Their business practices have been shady at best, but after finding out theyre leaving the student loan business Im not surprised they doubled down on their XXXX business ethics.
Consumer complaint received 2021-09-30
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (TX)

Ally financial has sent me a debt on XX/XX/XXXX for a balance of XXXX. Then on XX/XX/XXXX for XXXX but a settlement for XXXX. I reached out to Ally financial for original documents for our agreement made. The papers sent back was with documents that I didnt sign personally and was forged. I was later informed that the dealership released employees for this exact reason. I received a letter in mail for a lawsuit ally fin. Inc. vs XXXX XXXX and XXXX XXXX. Where the debt was settle in court and I received a small payment on XX/XX/XXXX. On XX/XX/XXXX Ally sent another later still asking me to pay the debt that was settled in the law suite XXXX Its still reports on my credit making life hard for me. I would like for this debt to be removed from my credit report.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

Background : In late XXXX and early XXXX, I had fraud committed with my card, calling it card A from now on. It was caught early and but {$400.00} was stolen and reported as soon as we found it on our bank statement. They said they fixed the issues and issued a new card. A week later, we called back since the charges were still on our account. We were told that there was a mistake and that it was resolved. 

The next day the new credit card, calling it card B, that we received was declined. When I called the bank, I was told fraud was reported on card B, which it was not. However, they sent me a new card. 

A week later, I received two new cards, called Card C and Card D. They had different expiration dates. I called in to verify which card should be used. I was told card D was correct. So I can start using it. 

This is all just lousy customer service. However, it is central to the complaint. 

Complaint : We received a statement in the mail for card B. We logged into the website to see what we owed. The site said {$5300.00} which might be right. However, after the fraud, we wanted to make sure that the amount is correct. The statement on the website is the {$400.00} charge, which we were assured that we do not owe. However, the bank refuses to provide us with an accurate statement for our actual credit card amount for us to verify the transactions. 
How can we be asked to pay the correct amount if they do not give us an accurate statement for XX/XX/2019? We can provide documentation that the fraud took place on Card A. We still do not know why they know think it happened on card B. We have screenshots showing the difference between the statement that they provided and say we do not owe a payment on, and the website which says we owe more.
Consumer complaint received 2022-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

Midland Mortgage from Oklahoma XXXX. 


i send a paymet of {$8200.00} to cover my last 2 months and also pay 3 months in advance due to my health issue i didnt wanted to have to worry about mortgage i send it thru mail certified letter post office advice my midland mortgage should receive letter by monday i called wed to make sure everything is good and payment was applied as i explain 2 past due and 3 months in advance to my surprise XXXX ID XXXX advice me no payment have been posted she said she was going to email cashier and payment shoul be posted by the end of the day i explain to her tracking # is telling me letter was received monday she said no to worry to call tomorrow which i did spoke to XXXX  id XXXX i asked her if payment has been posted she stated no payment has been received i explain to het i spoke to XXXX and she was going to email cashier she said no email was sent and she has to put a summit of lost check and is going to take time to track payment... how does a payment gets lost????? I WANT MY MONEY APPLIED TO MY MORTGAGE IMMEDIATELY AND WAIVE FEES THEY HAVE CHARGING ME FOR THIS COMPANY MIDLAND MORTGAGE IS NOT HERE TO HELP OR HELP US SAVE MY HOME I FEEL THEY WANT ME TO LOOSE MY HOUSE, AFTER I HAVE DONE EVERYTHING THAT IM SUPPOSE TO PLEASE HELP ME.
Consumer complaint received 2021-10-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (MI)

XXXXridgecrest Financial has failed to allow me to exercise my federal rights and validate this alleged debt pursuant to 15 USC 1692g ( a ).

Bridgecrest has honored my cease and desist by stopping communication you have admitted to wrongdoing. A cease and desist has two parts cease of communications and remedy these are not separate. By honoring my cease and desist you shall honor my remedy pursuant to 15 USC 1692c ( c ).

Pursuant to 15 USC 1635a my right of recission was not disclosed to me which is a violation. No forms were delivered to me to exercise this right.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I was in XXXX and XXXX XXXX from XX/XX/2024 to XX/XX/2024. Attached is a flight receipt and screenshot of my flight ticket. I called to file a dispute for this transaction ( {$100.00} - transaction name XXXX XXXX during a layover from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was on leisure vacation in XXXXXXXX XXXX XXXXXXXX, XXXX, a lovely city that is known for credit cardfraud where I did not haveconsistent cell phone service. I admittedly didn't pay close attention to my transactions, the majority of which occurredon card terminal. 

When I was on layover from XXXX XXXX XXXX, I did a reconciliation of all charges and noticed this unrecognized charge. At this point of realization, I immediately called Chase fraud. The Chase dispute team noted that other charges were flagged on my account that they blocked from clearing. We walked through these transactions, one of which included another P2P payment and a hotel transaction for a hotel I did not stay at ( XXXX XXXX ). Following this call, the fraud representative noted that they'd immediately have my credit card ending in XXXX cancelled and would send a replacement ending in XXXX to my New York address. Because I was in transit to XXXX when the card was closed, I asked if I was allowed to continue using my Chase Sapphire card ( both physical card and wallet ) in the meantime. The Chase employee said yes for digital wallet payments, because my XXXX XXXX digital wallet would automatically update with my new card information. I then proceeded to use XXXX XXXX in the States and in XXXX XXXX. Chase did not send a replacement card until XX/XX/XXXX. When I returned to the United States on XX/XX/XXXX, I activated the new card. 

Two months later on XX/XX/2024, I was told that Chase determined that it " did not seem like fraud '' because I continued to use my card. I hope the detail above clarifies ( 1 ) that there were clearly other questionable transactions that the Chase team effectively caught, ( 2 ) it look me a few days to notice the erroneous charge ( and I'm shocked Chase didn't ), and ( 3 ) I was instructed that I could continue to use my card until it closed upon successful delivery of the replacement card.
Consumer complaint received 2021-09-30
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. (WA)

I am a consumer, XXXX XXXX, previously XXXX XXXX, and I am writing this complaint today because EQUIFAX violated my consumer rights as well as invaded my individual privacy. I notified EQUIFAX on multiple occasions that they NEVER had my consent to furnish my consumer report to various institutions. They neglected to abide by federal law as well as protect my consumer rights! They furnished my consumer report to 7 institutions on XX/XX/XXXX and 4 other institutions on XX/XX/XXXX without my DIRECT consent or without permissible purpose. This caused damages to my consumer report and according to EQUIFAX 's erroneous " scoring '' they labeled my credit worthiness as " poor '' for having multiple " hard inquiries ''. I spent months disputing these negative remarks with EQUIFAX over the phone with multiple representatives all to which refused to. These representatives stated inquiries are factual information and must remain on the report for two years! I had no success getting these items removed from my consumer report or receiving documentary evidence from EQUIFAX of having my consent. On XX/XX/XXXX I decided to submit a CFPB complaint ( # XXXX ) requesting to have these items removed. I also reported the identity theft to the Federal Trade Commission because my information was in fact shared without my consent. I provided a copy of FTC report along with the complaint. On XX/XX/XXXX I received a confirmation by post mail from EQUIFAX stating that they had deleted the inquiries from my report. Over a year later! I am demanding that EQUIFAX be held accountable for the criminal acts they have committed. I am holding them accountable for being in violation of my consumer rights and defamation!! To simply mail me a letter stating these items were deleted does not excuse the fact that they caused damages for over a year! I am also demanding that these institutions be held accountable! They obtained copies of my consumer reports without having my direct consent prior.
Consumer complaint received 2017-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXXXXXX XXXX is reporting {$250.00} from XXXX XXXX XXXX on my Transunion report. I called them to find out more information about the debt and they told me the debt was no longer with their office. I asked them why they were still reporting it and immediately disputed with Transunion. I provided Transunion the phone number I called and the rep I spoke with. XXXX verified the debt AGAIN even tho they do not own it. I can not find out any info about this debt and want it removed from my report. This is so unfair. I called XXXX XXXX XXXX and they didnt show any debts for That amount either.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

1 ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. 2 ) American Express closed my count XXXX, XXXX continues reported me late.3 ) XXXX XXXX closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting XXXX ) XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXXXXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mediation Recovery Center (NE)

I got a call from XXXX on XX/XX/XXXX at XXXX XXXX. As I was waiting for a communication regarding a position I'd interviewed for, I answered, as the number came up as from South Carolina, and some of our employees are working remotely. The person I spoke with, who identified himself as XXXX XXXX, said he was from an organization called Mediation Recovery Center, which I was able to confirm is located in South Carolina. However, upon further research, I encountered an article mentioning that MRC was hacked by fraudulent debt collectors several years ago, so I was extremely hesitant to speak to anyone from that organization again. Particularly since the po box listed for payment is listed as being in Illinois. 
A couple of days ago, I received a letter in the mail, showing it was mailed on XX/XX/XXXX, with a lower balance due than the statement emailed to me on XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from an Ohio number from a man who identified himself as XXXX XXXX, who provided the same callback as on the letters from XXXX : XXXX, but also said I could use the Ohio number XXXX that came up on my caller ID. 
My biggest issue with this entire situation is that for this episode of care, I was receiving XXXX benefits, and never even got billed by the XXXX XXXX transported me to that night because my insurance was billed. The creditor listed on this statement is XXXX XXXX, who are still in operation in Ohio, but have not returned my call. XXXX claimed on XX/XX/XXXX that XXXX 's billing department no longer existed, and all their accounts had been purchased by MRC. Why would they close their billing department if they're still in operation? Also, why would I just now be getting all this communication for an episode of care from XXXX of XXXX, when the statute of limitations in Ohio is a maximum of 8 years?
Consumer complaint received 2024-04-11
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: General Motors Financial Company, Inc. (TX)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX USC 1681 also states I have a right to privacy I didnt give permission for these items and they are fradulent not got by me also code 42/408 states that because there is no lawful money using my social security number at any establishment for credit transactions or loans is a crime.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

XXXX XXXX XXXX got me a mortgage for my primary residence, owned by XXXX XXXX XXXX changed the service to My Loan Care ( myloancare.com ). Final monthly payment was paid to XXXX, but was not reflected in my mortgage. XXXX either did not send the payment or My Loan Care lost it. Both companies have given me the runaround since XXXX. I have no solution. 

Loan # : XXXX