davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (SC)

I am writing to express my deep dissatisfaction with the repeated failures to address the issue of late open accounts, despite making three previous attempts to rectify the situation. This ongoing problem has significantly affected my financial standing and trust in your institution. 

The continued presence of late open accounts not only tarnishes my financial reputation but also raises concerns about the efficacy of your internal processes. As a valued customer, I expect prompt and efficient resolution of such matters to maintain trust and confidence in your services. 

I urge you to prioritize this issue and take immediate action to rectify the late open accounts associated with my profile. It is imperative that all discrepancies be thoroughly investigated and corrected to ensure the accuracy and integrity of my financial records. 

Furthermore, I request transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will compel me to explore alternative avenues for resolution, including lodging a formal complaint with relevant regulatory authorities. With this, I am asking for your assistance to correct these accounts in my credit file : 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 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

What happened? the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809 I want the CFPB
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (TX)

XXXX XXXX Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted XXXX concerning this issue and they refuse to talk to me directly nor rectify the situation.
Consumer complaint received 2020-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

To whom it may concern : I have reached out to your FREEDOM MORTGAGE customer service department on numerous occasions without any resolution to my problem nor do I even get a callback. 

At issue, I have made numerous EXTRA - FULL payments on my mortgage, account number. 

I wanted these payments applied in such a way that my mortgage would be PAID AHEAD by ( 6 ) months. 

Instead, the funds were applied supposedly to the principle. 

Since the funds were NOT applied to my account in the manner I intended, I have requested the funds be RETURNED/REFUNDED. 

To date, I have only received a REFUND check in the amount of $ XXXXXX which is MUCH LESS than the amounts of my OVERPAYMENTS. 

But, my bigger concern is that my ACCOUNT HISTORY is so jumbled up with Primary Payments, Payments, Reversals, and Payment Suspense line items, it is extremely difficult for your Representatives to read my account. 

This is extremely FRUSTRATING, not to mention the RUDE treatment exhibited by your representatives because they can't seem to figure it out ; as if it's my fault and like I'm being a nuisance for even wanting them to research it. 

Again, with each phone call, I am told by the representative the account will be sent to the CASH DEPARTMENT to assess the situation and that someone will get back to me. 

Of course, no one ever does ... 

So, what I want is to have an accountant look over my account line-item for line-item, starting from XX/XX/XXXX to current XX/XX/XXXX. 

After this, I then would like a PROMPT REFUND of my sizeable EXTRA-CASH FUNDS for the monies not applied as I intended. 

I am at the point where I have a DISTRUST of your firm and I am researching ways to REFINANCE my mortgage. 

I am also researching ways on who and what organizations I need to contact in order to have Freedom Mortgage and your bookkeeping practices investigated. 

I am looking for a SWIFT RESOLUTION to this matter.
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE FARM BANK, FSB (NY)

State Farm Bank is enticing their clients by promises of Visa gift cards,  which might as well be considered cash due to them being accepted everywhere. This is rebating and is highly illegal. They are essentially " bribing '' their customers to finance with them over another lender even though the other lender has a better rate or program available.
Consumer complaint received 2022-12-28
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 list of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # 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  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), 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. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

My account was sold by Gateway One lending and finance to Santander Consumer USA. Since then my account is showing as closed and it has decreased my credit score by nearly 20 point each month. I have asked to have them update who the owner of the debt is to Santander Consumer USA. I am have been unable to contact the company for three days and their chat option is not available. I still owe the debt and have been paying so the account is not closed just under a different company.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (TX)

Debt has been removed by hospital but my credit hasnt been updated. Debt is still showing on credit even though Hospital has updated everything and I am at a XXXX balance. Medical debt collector still harass me even though everything is settled.
Consumer complaint received 2024-06-05
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. (VA)

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You XXXXXXXXXXXX  THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM XXXX XXXX FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY AGGRAVETED ID THEFT 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Consumer complaint received 2024-03-22
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. (PA)

So i had called into Equifax to see what the heck these items were on my credit report and then i realized that there was a process i had to go through. The Equifax rep told me i had to file an Ftc for the fraudulent inquiries, so i did that. Then she said send it in and gave me the address and XXXX XXXX and told me who to address it to. I sent that in XXXX, almost XXXX months ago. I SENT IT MONTHS AGO. I told them explicitly that

these were fraudulent inquires and they assured me that if i went through the simple steps i went through that they would act to remove them. I have done my part to remove this fraud from my credit report, and they have not done theirs. not to mention, they are grossly acting against me and against my rights as a consumer. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give them written instructions to furnish this on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delet
e the above FRAUDULENT inquiries from my consumer report, as this agency is in violation of 15 USC 1681.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My husband passed away XXXX XXXX. He left a will leaving me as sole beneficiary of his estate.Including in his estate was a property located at XXXX XXXX XXXX XXXX XXXX which had a mortgage.I sold this house and went to closing XX/XX/XXXX. I couldnt afford the mortgage after his death. 
Prior to my husband 's death the mortgage was held in his and his ex-wife 's name.After the ex-wife received everything she wanted within the divorce agreement she, by law had to issue a quick claim deed to myself and my husband for the property mentioned above. 
PHH Mortgage is refusing to issue the escrow refund check to me although they have already declared me to be successor in interest. 

I have complied with their requests to send them multiple documents to their " research '' department to no avail.I have sent them PHH Mortgage my husband 's will and the deed reflecting my ownership.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

Citi bank has retaliated against me for filing federal complaints by closing my account. I made a {$500.00} payment two weeks ago. Citi responded by lowering my credit limit. I filed federal complaints for arbitrarily lowering my credit limit on my account in excellent standing for no reason at the onset of a natural disaster and national emergency. In response to my compaints, Citi has now closed my account. Lowering my credit limit due to " high balances to credit ratio '' means that now my debt to credit ratio is even lower so all my other credit cards can lower my limits on those accounts as well, because now that Citi lowered my limits my debt to credit ratio is even higher. Citi started a viscous circle where my credit will repeatedly be negatively impacted. Now that Citi has closed my account, that will negatively impact my credit as well.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IA)

I need help, I paid off my SYNCB credit card and now this collection agency XXXX is after me for the same debt. I need help this account has been resolved. I do not know where my money went to with SYNCB but it cleared my account with them. Please help
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I originally had a XXXX loan with XXXX XXXX XXXX XXXX. I was always on time and never late. I received an account closer email that I closed my account and that my account was transfered to a sister company XXXX XXXX. Shortly afterwards, XXXX XXXX began to report incorrect amounts on my credit report. I called them to see what was going on and they told me that they were a debt collection agency. This was a breach in my original loan agreement, I can't get online to see my original contract and the interest amount does not reflect. They have reported incorrect information to my account. They also illegally obtained my bank account information from the original company. XXXX XXXX was posing as a loan servicing company while XXXX XXXX XXXX XXXX has not responded to the veterans or service members about their closure. Several complaints have been made about this and they continually report wrong information when disputing them. They are not the same company and they show paperwork as if they are the original loan company.
Consumer complaint received 2020-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (PA)

I paid this debt off XXXX XXXX this company is claiming they never received the money order, Im not getting any help but I have proof I sent it out and that I paid off debt and now I cant get it removed after paying it off, I showed all my proof and I keep reaching out to ( XXXX ) the supervisor and he isnt responding back and Im not paying them again I left voicemails on his phone to speak with me he hasnt attempted to reach out to me and I cant get a home and havent been able to for 4 years due to this I reached out to XXXX and paid {$15.00} to get a copy of the already spent money order for {$480.00} and both XXXX XXXX and national credit system are claiming to have never received the money I need help removing due to I been paid off I can send in any of my proof I filled out a Forgen application to see who cashed my money order and still waiting on that but this is ridiculous there asking for more money I need some type of conclusion to this problem I dont want to give anymore money
Consumer complaint received 2022-12-28
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. (NJ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or expunge all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX