davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

This account does not belong to me. I have tried continuously to dispute it and it has yet to be removed. I have not received any information from this company Showing why Im being charged this. The company it was sold to has already removed their account but this original creditor still shows.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

In XXXX my information was exposed & I was receiving alerts for credit I didnt apply for. In XXXX, XXXX, XXXX & XXXX Ive reached out to all XXXX credit bureaus as well as creditors to get information deleted. They have not properly assisted me with this matter.
Consumer complaint received 2024-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: KEYCORP (WA)

I accepted a Covid forbearance offer for my mortgages with KeyBank. Two of them were modified into a lower payment and the arrearages ( payments during forbearance period ) were capitalized ( added to the loan balance ). However, on the two HELOCs, KeyBank stated that I will need to pay all of the arrearages that occurred during the Covid forbearance. I estimate this to be at least {$7000.00}. They stated that I do not make enough money to qualify to have the arrearages added to the back of my loan and will need to pay the entirety now or face foreclosure.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NY)

I feel like they ignored my prior requests for an investigation. I asked them to Please confirm how this account is showing as open when it is actually closed otherwise I will have to ask you to explain how it is reporting as accurate. 
XXXX XXXX  XXXX Account Number : XXXX If you are unable to verify the information that is contained in this account, then you are required to delete the account. 
also I get a copy of my credit report and found the following item ( s ) to be in error : Previous Address ( es )
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

15 U.S. Code 1692g - Validation of debts. I Am requesting proof of delivery by way of Certified XXXX mail showing my signature within five days of the purchase of the alleged debt. With out this the company Spring Oaks Capital LLC have no Validation that I in fact did receive a letter communicating my alleged debt and rights under the FDCPA and FCRA. Again i am asking for VALIDATION not verification. Please provide the receipt with my signature. It is required by law to insure consumers are notified of any alleged debt within 5 days and Spring Oaks Capital LLC has not provided this proof and validation. Also in the state of Illinois a license is required to collect a debt and Spring Oaks Capital Does not appear to have a collection license with the state of Illinois.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My attorney and I have been working diligently with the len der ( Ocwen ) to  do a short payoff. Near the   XXXX    o f 2016, th ey agreed to $  XXXX  ... We countered at $  XXXX  because that is what our research shows as the market value for the home which is literally a knock down on the main  XXXX   lane road so on to be  XXXX . This caused them to do anothe r BPO on the property.. It has now been over 3+ months and the lender 's attorney is puzzled why his client ( Ocwen ) is now not responding at all to our negotiations. This has been the norm for this lender over the past 1+ years in tr ying to settle up with them.. Can you help me and my attorney get a response from the lender.. We have email communication from their attorney for the past agreement and we reach out weekly to their attorney with no updates.. I am trying to do the right thing and they are dragging their feet or do n't care at all. Please help.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

fraudulent inquiries due to identity theft from the XXXX XXXX XXXX XXXX XXXX DELAWARE XX/XX/23 XXXX XXXX XX/XX/23
Consumer complaint received 2022-12-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

XXXX XXXX XXXX XX/XX/XXXX {$9500.00} I have had accounts been disputing this with XXXX XXXX daughter who gets away with uisng the name XXXX has opened account while I had XXXX XXXX She had access to my personal accounts. Please provide signatures on credit card/loan or what ever this- XXXX XX/XX/XXXX {$6000.00} / {$4700.00} negotiated for payoff I was given this info constantly dispute these items for years now unacceptable I pay my bills.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

According to FCRA laws if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-06-29
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)

WHILE I WAS IN XXXX XXXX, SOMEONE OPENED A FRAUDULENT ACCOUNTS UNDER MY NAME. THE XXXX XXXX AND THE XXXX XXXX ACCOUNTS ARE FRAUDULENT, I NEVER OPENED ACCOUNTS I NEVER USED THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT, I NEED TRANS UNION AND XXXX XXXX AND XXXX XXXX TO UNDERSTAND THAT I AM A VICTIM, THESE ARE NOT MY ACCOUNTS.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-14
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. (IL)

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}
Consumer complaint received 2022-12-12
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CA)

I had a card with CB Indigo and I paid it off in XXXX of 2020. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for XXXX in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ME)

I paid off the balance on my card on XX/XX/2022. Since then I have been charged a {$1.00} " minimum interest '' fee which I did not know about and assumed my balance was XXXX. Because of this I then received several late fees of {$16.00}. Which adds up to quite a sum. I have now cancelled my card but still would like to report this predatory behavior.
Consumer complaint received 2023-06-14
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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: SYNCHRONY FINANCIAL (OH)

XX/XX/XXXX, I was at a restaurant and my card was declined, they encourage you to use card to get rewards and had done so, Instead of calling asking about the use they shut down my card and called me after the the fact, and refused to let me know why saying it was an on going investigation, 15 days latter they finally let me know it was because i tried to use the card, I was only 45 minutes away from my home. I was totally humiliated, this was a Sams Synchrony Bank card
Consumer complaint received 2023-06-14
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. (GA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ALLY FINANCIAL INC. (NY)

Statements that I am opening other cards are being sent to XXXX. I have closed this account nearly 5 years ago and have never opened another account. This conduct is harming my credit reporrt and XXXX Score.
Consumer complaint received 2023-01-20
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. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-09-04
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. (DE)

Hello My name is XXXX XXXX XXXX, I am writing this 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'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I used chase credit card. My ex who was a scammer scammed me and paid off my card which had a balance of XXXX. He used fake accounts to pay it off. I went and got gift cards on the chase credit card and he paid thos off as well. Chase never told me the payments were denied until i spent XXXX. I had my account set up for alerts and i even called them to make sure the payments were made and from legit accounts and they said yes. A month later they sent me mail saying the payments were reversed. Upon checking records they were canceled 4 days later upon payment. So i dont know why ut took a whole month to notify me. Thank XXXX i didnt get more cards and out myself in more debt but if they had told me when i called that the payments didnt go through i wouldnt have gotten more gift cards. Chase is at fault since they did not notify me even thiugh i have all alerts set and even thought i called them a few days later. Its as is they did it deliberately to get my money. Now im stuck paying off a {$8000.00} bill which was all due to a scammer.
Consumer complaint received 2022-12-12
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA (NY)

Stop communicating information to all consumer reporting agencies. Acct # XXXX According to 15 USC 1692a ( 2 ), the term XXXX means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by Mohela will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights per 15 USC 1692c ( c ) I am hereby providing you a formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone calls, emails, social media and any Consumer Reporting Agency.

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter is in violation of the FDCPA.
Consumer complaint received 2022-09-04
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. (IL)

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Yes I have reached out to Indentity theft. gov here is my confirmation number for the two XXXX accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (TX)

In violation of 10 USC 987 ( Military Lending Act ), One Main Financial is using my credit bureaus to intimidate me into giving them funds that they do not deserve. It is the CFPB that is responsible for reviewing this action. I have paid all required payments to One Main Financial according to law and they are now reporting negative information to my credit. I have also paid One Main Financial approximately {$1000.00} over the required amount. According to your mandate of instructions, I request that the CFPB give One Main Finacial actions a meaningful review according to your mandate of review. 

1. Among XXXX Service Members, 10 USC 987 caps interest rates at 36 %. One Main Financial set the rate at 36 % they can't require anything else. This includes fees. A different version of the contract was sent to the XXXX  than the one they sent CFPB. Please review page 3 on both contracts. 

2. In 32 CFR 232.8, it is illegal for a creditor to roll over, renew, repay, refinance, or consolidate any consumer credit extended to a covered borrower by the same creditor with the proceeds of any other consumer credit extended by the same creditor to the same covered borrower. According to One Main Financial, this illegal action has caused additional payments. 

The MLA prohibits One Main Financial from taking these actions under 10 USC 987. Any amendments One Main Financial claims places them above the law are prohibited. Congress enacted the CFPB to resolve this matter. If One Main Financial is denying coming within compliance with the MLA, the CFPB has the authority to remedy this by the CFPB inherited authority to issue them a mandate. One Main could also be charged criminally under 10 USC 987. This action should not have to be escalated to a congressional complaint. Congress has already given the CFPB the power to remedy. 10 USC 987 provides all XXXX Service Members with a remedy and the CFPB is the agency that provides the remedy. 

Because the CFPB failed to act, One Main Financial is abusing their ability to steal funds by reporting false information to my credit bureau. Because One Main Financial illegal actions put me at risk of compromising my security clearance. I have paid One Main Financial all payments required by law and the contract. I have also given them 3 extra payments averaging approximately {$1000.00}, they should not be allowed to loan shark against a service member and report their actions to the CFPB and this agency takes no action against them.