davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX AT XXXX XXXX XXXX Account Number : XXXX. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws? 
Remove this collection at once! I have given the Bureaus ample time to correct this. Over 90 days is too long! Obviously, if it hasn't been proven it is FALSE!
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WERE BEING BROKEN BY YOUR COMPANY UNDER THE F.C.R.A, THIS HAS CAUSE ME FINANCIAL INJURY AND THIS IS DEFAMATION OF CHARACHTER. I HAVE BEEN DENIED JOBS BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN UNABLE TO LEVERAGE MY ASSETS DURING THE PANDEMIC BECAUSE OF WHATS ON MY CREDIT REPORT. I HAVE BEEN DENIED AN S.B.A. LOAN BECAUSE OF THE NEGATIVE, UNDULY AND ERRONEOUS ITEMS ON MY CREDIT REPORT.
Consumer complaint received 2020-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XX/XX/XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.
Consumer complaint received 2022-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I received a letter in the mail in XXXX from PHH confirming an escrow refund to me for {$1000.00} which would be mailed separately. Because I never received anything as I was out of town, I call PHH on XX/XX/XXXX and I was advised check was already mailed and to give it some extra time. Nothing was received so again I called back on XX/XX/XXXX for a new check and was advised that a new check couldn't be provided until after XXXX which is 30 days from when the original check was issued. I called back on XXXX and was transferred to an escalation manager which said they would call me back in a few days because the treasury department had to do some research then get back to me. As of XX/XX/XXXX, still NO CALL back so I called PHH again. I was transferred to another escalation manager ( XXXX - XXXX ) which stated that someone did call me but was transferred to my voicemail yet I received messages/ calls. I was then informed that the " check '' was cashed. I advised it wasn't by me and that this is now a stolen check because I have been out of town due to my mothers death. I was asked to question the 2nd party on my account ( XXXX XXXX, my husband ) but unfortunately for PHH that was not an option because he's been out of town with me as well for my mother 's funeral / passing. I was then advised that an email was sent to me to show where check was cashed and to confirm signature which I never received. I asked to have this email resent to me and of course still nothing! At this point I feel like I'm going around in circles and would appreciate nipping this all in the bud. It's easy to nag me when a payment is due but I swear it's worse than pulling teeth to get what's owed to me! Please have this resolved immediately. Whatever check was originally sent was NOT cashed by myself or husband and any proof needed can be provided. Please have check reported as stolen and PLEASE send me my escrow refund, thank you!
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (WA)

My accounts : Checking : XXXX Joint Savings : XXXX Personal Savings : Ending in XXXX Have been blocked for almost 2 months now. In total it is {$2000.00} that has been blocked with no end in sight. Citibank has sent a letter stating that the accounts will be closed on or before XX/XX/2022. That day has come and went, with no more information. 

You should be ashamed that you are playing with peoples livelihood. We have bills to pay and we cant because the company is refusing to help us.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (MD)

I did a modification in 2009 and the company PHH Mortgage has never reflected my credit history to the three credit reporting agencies. PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX Call toll free : XXXX Fax : XXXX. I have made all of my payments on time and I need this to reflect on my credit report. Because it is not there it creates confusion with companies that I am apply for credit with. I contacted PHH twice and was told that they would get back to me without success.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This account does not have the amount correctly and is also a fully paid account, the payment was made at a XXXX XXXX on XX/XX/24, therefore the amount should be removed and eliminated from my credit report. 
Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-02-22
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. (OK)

I have informed the three credit reporting agencies ( XXXX, XXXX XXXX, AND EQUIFAX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the three credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file.

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that 1. the information was blocked an error or a block was requested by the consumer in error, 2. the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (IL)

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (TX)

Submitted additional dispute documentation on multiple occasions over the last few months as Experian Credit bureau continues to leaves false inaccuracies on my credit report. This lack of initiative to correct fraudulent line items makes it impossible to have my report accurately reflect my credit worthiness. Despite countless attempts to submit the exact same documentation used with other bureaus to correct these inaccuracies Experian continues to falsely report these inaccuracies with no regard to the US Code for consumer credit protection. I am requesting the immediate proper investigation that I am entitled to per FCRA. I find it hard to believe that other bureaus are investigating the same items and removing the inaccuracies as required by law and Experian continues to let any and all information continue to be fraudulently reported regardless of truth or accuracy. Creditor continues to violate US codes ; collection to consumer report is in violation of 15 USC 1692d ( 4 ) engaging in unlawful extortionate activities and collection of extensions of credit by extortionate means is a violation of 18 USC 894. The inaccuracies in question are XXXX XXXX whom has been involved in litigation since XXXX where there were court ordered to removed delinquent accounts and to waive deficiency balances which the Coalition statement has been provided as with the other two bureaus ( XXXX and XXXX ) and immediate correction was made resulting in the deletion of this account from credit reports. The second inaccuracy is XXXX XXXX in the amount of {$1000.00}, which should be immediately removed due to the creditor violating the US Code for consumer credit protection by attempting to use extortionate means to collect debt which is against the law ( account has been removed from credit reports ( XXXX, XXXX ). The final and most important inaccuracy comes from XXXX XXXX XXXX  whom has added a collection only to my Experian report in the amount of {$3000.00}, this school added this debt to my credit report after receiving cleared funds from the department of education and they are now involved in litigation due to school misrepresentation and misconduct in violation of certain state laws. Sweet v. Cardona ( formerly Sweet v DeVos ). This creditor is attempting to falsely collect funds though they are not legally entitled to them. Experian does not investigate disputes as they properly should to protect consumers.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (UT)

My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost 40 points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution
Consumer complaint received 2020-12-27
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. (VA)

Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I used my Bank of Amercia checking acccount to invest stocks via XXXX, after I transfered XXXX dollars to theXX/XX/XXXX on XX/XX/XXXX, my checking account just dispeard in my Bank of America on XX/XX/XXXX, I think I still have fund in there and did not find a way to find my account back.
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MA)

While I was attending school I called XXXX on XXXX different occasions to ask if what I was doing was correct and would count towards my loans. I was told YES, deferment AND {$0.00} payments due to hardship would count. While I was in school I deferred because I couldnt afford to make payments. When I called prior to Covid I was told I have around 90 paymentsthat counted, which would have put me at 120 during Covid. 
Come to find out none of this was true. Ive lost 7 years of payments I told would count and now I only have XXXX payments in total. I thought Id be finishing and Im literally at the beginning after flat out being lied to SEVERAL times.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA where they are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ).
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I recently requested to have my escrow account on my mortgage with Wells Fargo closed after I noticed they paid an insurance premium that was triple than what it would normally be without informing me. Wells Fargo acted completely irresponsibly in not notifying me of the increase and denied my request to close the escrow account using an incorrect and outdated value of my house as a defense. I changed insurance companies and paid the new much lower insurance premium myself but Wells Fargo is still charging me a higher monthly payment for my escrow account and is refusing to close and let me manage my own insurance and taxes. I have been a WF customer for over 10 years and have not had a single missed payment. This was far from the first issue iv had with the bank. It is clear the bank does not value its customers and has no interest in maintaining a relationship with them.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (FL)

Reporting inaccurate hard inquiries on my report without consent. I did not signed any application for an account or to obtain any product. These hard inquiries are unauthorized and invalid. They are not validated here are the inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I am in the process of purchasing my first home and my mortgage lender made me aware that my credit score was XXXX points lower than expected. My credit score is affected by an outstanding medical bill from QUEST DIAGNOSTICS for {$50.00}. Service date of medical bill was XX/XX/XXXX. I am very diligent with paying medical bills so I immediately searched my XXXX and was able to find an email from XXXX XXXX ( XXXX ) dated XX/XX/XXXX indicating I had paid the {$50.00} with my XXXX ending XXXX. See attached for proof of payment. 

I immediately called Transworld Systems Inc ( debt collector ). They said I had an outstanding medical bill of {$50.00} ( attached screenshot from TSI web portal ) and I confirmed with them that I had paid it. They said they would follow the standard dispute process for this. I have also filed a dispute letter, attached. 

I called XXXX XXXX multiple times between XX/XX/XXXX to XX/XX/XXXX and no one from their billing department is able to retrieve the associated claim because the invoice is from XXXX and all records from XXXX have been purged from their system. I need a letter from XXXX indicating that the {$50.00} was paid timely so that the credit agencies can remove this from my credit report since it is severely affecting my credit and ability to get a mortgage. QUEST is stating that they can not write me a letter because they can not see the related claim in their systems even though I have proof of payment, so I am at a standstill.