davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (AZ)

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  Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (FL)

I signed insurance funds to Flagstar mortgage in the amount of XXXX the HAF program also gave XXXX on my behalf to pay mortgage off according to payoff statement provided by Flagstar. Flagstar has on processed the half payment and not my Insurance payment advising they now want an additional XXXX and now still have me behind 2 payments. They sit interest as well as attorney fees ( the latter should have definitely been included in the payoff and the interest is ridiculous as the payoff amount has only changed a few XXXX dollars since XXXX but somehow I am XXXX short. They advised me they are awaiting attorney fees which they should already have. How can they offer me a payoff and then process the funds in a way that does not allow me to pay it off. They keep charging me interest even though they are responsible for the extended time it has taken by not supplying me with the payoff statement in a timely manner and then once check was sent to HAF they could not find and none of this is being taken into consideration. If you look at the payoff letters they have sent me more than once the funds they have are more than enough to payoff my house. There should be no more attorney fees. The foreclosure case was closed and I have been dealing with Flagstar directly for over a month now. I would like my home to be paid off and in a timely matter. I also requested a copy of the letter from the state telling Flagstar how to apply the funds. I have requested this three times in writing and I have yet to receive. If anything due to the many errors Flagstar has made ny account should be paid off immediately. They refused to apply the intestacy laws published by the cfpb to allow me to assume my mortgage and now refuse to pay off ny loan even though they provided the documentation to HAF and my myself informing us that this was enough to cover the complete mortgage.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (OR)

I ended my XXXX  service in XX/XX/XXXX. In XX/XX/XXXX, XXXX  sent me to XXXX XXXX   XXXX  for collection of my account balance. I settled this account for 50% of the amount owed on XX/XX/XXXX, approximately $XXXX. XXXX   paid the money to XXXX, and discharged the account back to them on XX/XX/XXXXOn XX/XX/XXXX, I received a notice my credit score had dropped 20 points due to a collection by AFNI being placed on my credit.I was NEVER BILLED BY AFNI. I called AFNI on XX/XX/XXXX and pointed this out, they said it was for the same XXXX  account and bill.  I explained this account was settled in XX/XX/XXXX, the remaining balance was the 50% written off by the settlement. They didn’t care that they posted to my credit without billing me and told me to resolve it myself.  After hours on the phone with XXXX, and XXXX XXXX XXXX, XXXX  said they had no record of my settlement (even though they had the payment and claimed I made it on the automated system), or ever sending me to XXXX, and told me the only way to resolve this was to PAY THE REMAINDER of my bill. I got proof of settlement from XXXX, and called AFNI again, today, XX/XX/XXXX, and spoke to XXXX, who spoke to his Supervisor XXXX, who confirmed AFNI never billed me to give me a chance to resolve this, before hitting my credit and dropping my score 20 points! This call; AFNI acknowledged this violation, and said they would fix it immediately and remove it from my credit.However, XXXX  continues to state they only ever sent me to AFNI, and said I would need to mail in a dispute.    XXXX  continues to claim no record of sending me to XXXX  and basically called me a liar. XXXX  claims they sent them the settlement information on XX/XX/XXXX, and XX/XX/XXXX. I am XXXX  and don’t have a printer, nor am I able to get to the post office, I asked for an alternative way to get this info to XXXX and was refused any alternate communication to accommodate my XXXX.
Consumer complaint received 2023-01-20
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: Bread Financial Holdings, Inc. (IL)

XX/XX/2022 I opened a Comenity Victoria 's Secret Mastercard and made a purchase in-store with the card for {$21.00}. Approximately 10 days later I receive the Victoria 's Secret Mastercard in the mail including my balance, account number and my personal information. The invoice asks me to call to activate the card. I call to activate the card and they state they do not have my information in their database. ( 60 minutes on phone ) They stated they were having technical difficulties in locating my information but did find my application and approval in the system. I called them 3 times to activate and attempt to make a payment ( 60 minutes each ) on my original invoice on the card. I still can't activate this card and they said I can not make a payment because they can not locate my account. I have excellent credit and monitor my credit. They can not find my account but reported this card as active with a balance to the credit bureaus and sent me another statement with interest and late payment to my house. I sent a check in twice and they cashed my checks but did not allocate to my balance because they still can't locate my account. I can not even cancel this card because they told me they can't find my records. On XX/XX/2022, a supervisor was on the phone with me stating that they are having computer difficulties and he would have an IT ticket created to fix the issue. I called on XX/XX/XXXX and they were angry with me for calling and asking for a supervisor and have not resolved the issue. 
I have a card I can not activate, cancel, or make a payment on and they are reporting this to the credit agencies as well as late fees and interest. I have sent them and they cashed checks to an account they cant find. I am almost ready to buy a car and this bank may ruin my great credit scores and my ability to make a purchase at no fault of my own. THIS IS FRAUD. They should be liable for my damages. They will not help me at all.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

About XX/XX/2022, we received a letter from this creditor stating they closed our account. The reason given is the number of dishonored payments on this account. 
We have no idea what this means and have never been notified of any issues with payments for the 1 year we have had this account. 
We have filed a complaint with the XXXX  XXXX XXXX requesting documentation supporting their decision to close our account. To date we have not received anything.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I am under the impression that once all distributions have been made from an escrow account any overage is to be refunded within 30 days. For years now that has not been the case with the mortgage company I'm associated with. 

After years of this slipping past me I approached the company and was told they took any overage and applied it to whatever, I was given no indication of where any overage went However, after doing so I did receive XXXX overage check from them. 

Loan Care took over my mortgage I believe in XXXX or XXXX, I've been with them ever since. It appears everything started over in XXXX when I streamlined my mortgage. 

All distributions from my escrow were paid out as of XX/XX/XXXX. I've been told they will not issue any overage until XX/XX/XXXX after an escrow analysis has been performed.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (FL)

This is not a duplicate complaint. This is about a new issue of discourteous, dismissive and discriminatory treatment by Regions Bank related to written and verbal communication. On XX/XX/XXXX, XXXX XXXX XXXX of Regions Bank addressed a letter to me regarding complaint ID XXXX. I responded to contents of the letter on XX/XX/XXXX. The delayed response was due to treatment for crisis level XXXX XXXX XXXX and adhering to medical advice of avoiding XXXX inducing situations. I waited for a response until XX/XX/XXXX, and decided to call the number offered in the Regions Bank letter. My letter and call were in response to the statement - Regions works hard to exceed expectations and provide the best customer service experience possible. Your feedback is very important, and our goal is to address your concerns and provide the best solutions. When I called the number, a female answered and after stating that she did not recognize the name of the person I asked to speak with, she stated she would transfer me to a department that could possibly help me. I waited for fifteen minutes while repetitive automated messages bombarded my eardrum before I decided to disconnect. To date I have received no response by telephone or written.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the balance to ZERO? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 XXXX XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (NY)

I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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. (NV)

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 inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MS)

Hello. After speaking to multiple PHH representatives & relaying my issue to them ; the matter got out of control & all mixed up. I spoke the following representatives ( all calls are recorded ) : Spoke to others but misplaced their information & communication notes, because of driving. 

XXXX- XX/XX/XXXX. Rejected the modification to increase my payments when I am going through a financial situation. Requested to keep current mortgage payment note of {$1800.00} & not over {$2200.00}. Requested to be taken out of forbearance. XXXX said this would not negatively affect my credit. 

XXXX XX/XX/XXXX. Checking on status of letter. 

XXXX XX/XX/XXXX. Regarding payment made for $ XXXX. Requested letter stating, I am not in forbearance. 

XXXX XXXX XXXX. XX/XX/XXXX ( Asked to speak to supervisor, not the 1st. Told he/she would call me back with 24/48 hours ) However, she spoke to her supervisor XXXX, he said he would write the letter & email it to me. It was emailed to me, but wasn't on a letterhead & unacceptable by bank trying to verify if I am in forbearance or not. 

XX/XX/XXXX- XXXX agent id : XXXX XXXX. Informing PHH ( mshomesaver plus ) is sending the validation request ... has been sent to the servicer 2. Modification request is canceled XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. About negative credit reporting after {$6400.00} made on XX/XX/XXXX. XXXX stating I am not in forbearance. Also, notifying them again of loan verification is pending so they can get paid for back payments from MSHomeSaverPlus XX/XX/XXXX XXXX XXXX ( a manager ) back after missing his call & the next minute he was busy. Still haven't spoke with him as of XX/XX/XXXX. 

Spoke to XXXX on XX/XX/XXXX. Requested negative credit reporting & Letter. 

Now, I am being denied credit because of the negative credit reporting after I made the {$6400.00} that they said would keep me on payment until XX/XX/XXXX. Report 120, 180 days past due & they know I was in a legal forbearance. Then after making 3 payments to carry me over, the negatively report on my credit. 
Now they decide to " retract '' the negative reporting, but other current creditors have seen it & changed my terms of my business accounts ( XXXX ). 
Please advise.
Consumer complaint received 2022-03-23
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. (FL)

XXXX XXXXXXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX
Consumer complaint received 2020-03-02
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. (GA)

XXXX XXXX I pulled my free annual credit report, after going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX XXXX opened XX/XX/XXXX with charges of {$16000.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}, XXXX XXXX opened XX/XX/XXXX with the charges of {$1500.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$4000.00}, XXXX opened XX/XX/XXXX with charges of {$6000.00}. I have filed a complaint with the FTC please see attached complaint report.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NY)

I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (MD)

I set up a transfer using the XXXX  application in connection with ria money transfers on Sunday XX/XX/2022 at about XXXX. The system said the funds would be available in 5 minutes to my receiver in XXXX. 5 minutes pass no update nor was the transfer completed. Several minutes later I get a message from rebtel the money transfer is in progress. I am extremely confused so i contact XXXX  they have no answers. I ask them for updates they can't provide any but they keep vaguely telling me they have contacted their provider but still my money has been deducted from my bank account and I have no updates. 12 hours go by I try to reach their provider ria money transfers and they refuse to speak with me and tell me that I need to have XXXX  on the line for me me to be able to speak with someone about the money they have taken from my account and did not transfer to XXXX. As the 24 period passes since I first sent the transfer XXXX email XXXX  to cancel the transaction and refund my money. XXXX ignores my messages and I can't reach anyone. This is truly a scam, neither XXXX or ria money transfers are responding about this transfer but they have deducted full money from my bank account. I can't get answers, the money is gone from my bank but still hasn't been delivered to XXXX its been 2 days now. This is really unethical.