davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (MI)

Equifax provided an incomplete background screening to a leasing agent on XX/XX/22 that stated my the criminal record for the search was pending. I reached out to request an updated report via the number on the incomplete one on XX/XX/22 and was told to call the consumer line. One of my concerns is that prior to this request I called twice on XX/XX/22 and twice on XX/XX/22 and was able to receive personal details about my file, such as criminal record and credit score, without providing any identifying information about myself or my relation to the file, just the file number. I was not asked who I was until I requested an updated report. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for 45 minutes and then hung up on. I would just like an completed copy of my report as the agent believes that pending means I have a pending criminal charge and has shared this with my agent causing me not to be able to get housing.
Consumer complaint received 2022-04-20
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. (NJ)

There are inquiries on my report that I do not recognize, and in accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XX/XX/21 XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXX/XX/21 XXXX XXXX XX/XX/21
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

This corporation unjustifiably has turned negative information into the credit bureaus on my husband and I ruining our credit. Credit Snowball affect occurring. My husbands truck was totaled on XX/XX/2016. Our insurance company paid Toyota Motor Credit on XX/XX/2016, Gap insurance paid balance on XX/XX/2016. Received bill for payments past due XX/XX/XXXX totaling {$990.00}. Called and was advised that I did n't have any payments past due, but did owe {$1000.00}. I asked what for and was told XXXX different reasons from XXXX different people. Panicking I just paid it without understanding what it was for. NEVER RECEIVED A BILL FROM THEM FOR THAT AMOUNT. I 'm assuming it 's for my insurance deductible. This corporation has ruined my husband and my credit!!!! UNACCEPTABLE!!!!! If at ANY point I owed them money I would have paid it!!!!!!! I have everything documented.
Consumer complaint received 2016-10-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Collection agency is the third party. Thbis account was with XXXX XXXX XXXX, I called XXXX XXXX XXXX and they informed me that my account was deleted from XXXX reporting credit agencies, however Collection agency took this account and reported to my credit bureaus withot verifying the debt as required by FDCPS. I called and asked the collection agency to provide me some information to validate the debt and they have not validate it as yet.
Consumer complaint received 2019-08-02
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: Financial Data Systems (NC)

Financial Data Systems is claiming I owe them {$300.00} and {$40.00} from a debt they purchased from XXXX XXXX XXXX, which is not an account I ever had - nor are they reporting to my credit report. They are reporting false information to my credit report. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute by certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (LA)

My home mortgage is serviced by NewDay USA ( XXXX XXXX XXXX XXXX, Georgia XXXX : XXXX ). 

In early XX/XX/XXXX I received a letter from NewDay ( dated XX/XX/XXXX ) informing me that my escrow account had an overage and that I would be receiving a check for the excess amount shortly. As of XXXX XXXX, XXXX I have yet to see the funds for this disbursement despite many calls over several weeks to NewDay ( at least eight calls ). 

Every single action NewDay takes requires several days of processing with little to no follow up. My request to speak with a manager was met with the submission of a ticket which took several days to process and the manager I spoke with insisted that she was unable to speak with the department which issued the refund checks ( she said she could submit a request which would take several days to check on the status ). The manager even told me that me that once the check was mailed " it is out of our hands and there is nothing we can do. '' She had no response when I asked if the same standard applied to my mortgage payment which I've remitted on time over the course of the loan. Doesn't XXXX have a legal responsibility to return my escrow excess to me? 

When I asked if it was possible to transfer the money electronically ( using the same account I send them my monthly mortgage payment ) another representative told me that they could submit a request which would take a week to process. 

Other issues I've had with their customer service include the phone picking up but hearing nothing but children playing in the background ( I could hear the kids playing and calling each other by name ), phone picking up then getting nothing but static and random people talking, and calls being dropped. 

Overall NewDay Financial has had the worst customer service of any financial institution I've ever dealt with. The way they've handled the disbursement of my escrow payment strikes me as a company that is cutting corners wherever possible and may not even have the money to disburse in the first place ( that's why I'm getting such a run around ). They are either incredibly dysfunctional or plain dishonest.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XX/XX/XXXX I applied to refinance my auto loan from XXXX  XXXX XXXX over to USAA where I do my primary banking, and where my rate would be 1 % lower than the loan I had with XXXX. 
The loan was funded by USAA on XX/XX/XXXX and they were to send the payoff to XXXX. 
In late XXXX I received an email that my upcoming payment was due with XXXX on my auto loan that should have been paid off with the refinance. At that point I called USAA and let them know there was still a balance on my XXXX loan and it appeared the payoff was never received by them from USAA. I was told at that time that they would reissue the check and take care of the issue prior to my payment due date on XX/XX/XXXX since I had already made my XXXX payment to USAA for the new loan obtained. 
Unfortunately that is not what happened. Instead on XX/XX/XXXX they sent me a copy of the check that was supposedly cashed by XXXX. This check had no endorsement information on the front or back of the check that was discernible. 
I opened a case with XXXX, provided them all of the check information and a copy of the check. They have been unable to locate it on their system. I have called both USAA and XXXX multiple times every week to try and resolve this issue, which is still unresolved. 
USAA finally provided me with a XXXX tracking number last week for the check. However that tracking number shows that the check never left USAA and was never received by XXXX. 
So I now have two loans outstanding against my one vehicle. Ive been told I need to make the payments on both loans since USAA is supposedly not responsible for my contract with XXXX, and that any fees/interest will be my responsibility solely. 
Every time I call USAA and speak with someone Im told itll be 3-5 business days for a response and yet we still are no further on a resolution and Im the only one being financially impacted in the interim. And Ive spent well over 10 hours of my time trying to resolve this matter offering suggestions and contact information along the way.
Consumer complaint received 2022-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a victim of identity theft, with a current fraud alert and FTC report on credit reports. I noticed I have 3 hard inquiries on my credit from a company I haven't contacted to pull my reports. I have not granted XXXX XXXX no access to do so. I am contacting you guys because I reached out to them about a fraud account and these inquiries and still haven't heard anything from them and its been more then 30 days. These inquiries and account is hindering my credit score and stoping me from purchasing a home because of what's being reported wrong. Below I will provide dates that inquires are reporting. 

XXXX XXXX XXXX XX/XX/2021 All are in the same year 3 '' hard pulls
Consumer complaint received 2017-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Service, Inc (FL) (GA)

I recently wrote UNITED COLLECTION SERVICE a letter asking them to verify the debts that they keep under my name. According to FCRA they are required to validate any debt. Not to mention, withholding any information they received from any medical provider in attempt to HIPPA complaint can be a violation of the FDCPA. I have requsted full documentation of what they have to verify this/these accounts. There is no signed documentation that they sent me stating that I have a binding, contractual commitment with UNITED COLLECTION SERVICE. According to FCRA any company is REQUIRED to provide a method of verification which should consist of the actual and original signature of the individual they are contacting.
Consumer complaint received 2015-11-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I had a car loan with Santander Consumer USA. After paying for many years we requested the company repossess the vehicle. This was XX/XX/XXXX. At a later date we received a XX/XX/XXXX XXXX adding {$5100.00} to our XX/XX/XXXX income due to the amount of the loan adjusted off. Last month I received a XX/XX/XXXX XXXX for the SAME LOAN adding an additional {$4400.00} to my XX/XX/XXXX income for the SAME REASON FOR THE SAME LOAN. I do n't think I should be charged twice for the same loan charge/write off!!!!
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Sterling Infosystems Inc. (FL)

On XXXX Sterling requested international education verification information and a release. On XXXX I complied with all requirements and sent the requested documentation plus the release to Sterling through the email required. On XXXX Sterling noted in the completed background check report that I had not provided the requested information. Today XXXX Sterling has no response as to why they would state the requested information was not provided.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (OH)

The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as mine.
Consumer complaint received 2019-06-25
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. (NC)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

Identity theft against XXXX XXXX XXXX XXXX since XX/XX/2015 I have XXXX XXXX ID accounts XXXX email accounts XXXX accounts he has given access to my accounts to XXXX diffrent women he has impregnated over the years all while living with me I have credit debit mortgages under my my name personal loans Ive never had hospital bills I only have one address XXXX live XXXX  XXXX XXXX tx XXXX
Consumer complaint received 2022-04-20
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: JPMORGAN CHASE & CO. (CA)

Hello I have XXXX account that XXXX are report that are inaccurate. I just called XXXX for the third time today to have reinvestigated. Below are the accounts listed on the credit report. Both XXXX and XXXX have removed these accounts. 

1 ) JPMCB - CARD SERVICES. No account or phone number is listed on my credit report for me to contact them. XXXX removed from my credit report and then JPMCB-CARD SERVICES reported it again. This is not my account. I have never had the credit card or have ever used this account. 

2 ) XXXX XXXX - I spoke with XXXX XXXX with XXXX on XX/XX/XXXX they represent XXXX XXXX. I was told this account will be removed yet they are still reporting on my credit. 

3 ) XXXX - Spoke with XXXX and XXXX on XX/XX/XXXX and was told this account was suppose to be removed from my credit. They are still reporting this information.
Consumer complaint received 2021-09-25
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)

I recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave Experian and XXXX over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Ocwen Loan Servicing took over my XXXX XXXX. received my automatic payment from my bank, Regions for 2-yrs or so. then said I was 2-yrs in behind on my mortg. That was the begining of the nightmare. They reported false reports to the credit bureau. XXXX XXXX XXXX investigated my case to clear up my credit for refinancing my loan. XXXX XXXX XXXX caught them in a lie and they hay to contact the credit bureau to remove the false information. The loan balance was a little over XXXX. They jacked it up to over XXXX to prevent me from receiving the VA loan. To get the VA loan I had to pay the jacked up amount or miss out on the refinancing for Veterans. XXXX XXXX XXXX personnel are able to verify the hardship and ripoff tactics that my family had to endure.
Consumer complaint received 2023-10-20
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX continues to unfairly deny me a credit line increase for my XXXX and XXXX accounts. XXXX XXXX has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). Based on your credit report, you have to many requests for credit. After speaking with Experian Special Services and their Fraud Unit, Experian said XXXX XXXX is providing " misleading information '' related to my credit report. Experian confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. Experian confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. XXXX XXXX is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against XXXX XXXX for violating my rights time and time again. Experian outlined that the information presented by XXXX XXXX in relation to my score is outdated and not valid. Experian suggested that XXXX XXXX ask for or review a current credit report that outlines the facts.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Scott Fetzer Financial Group Inc. (GA)

On XX/XX/2024, at approximately XXXX XXXX, I contacted United Consumer Financial to exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. 1681b, to opt out of certain information sharing practices. I first spoke with XXXX, a customer service representative, and requested assistance with opting out of the sharing of my personal information with third parties for marketing or other purposes. 

XXXX immediately placed me on hold. After six minutes I was transferred to XXXX, another representative, who explained that the account was closed and therefore, could not be opted out of any information sharing practices. Despite my attempts to explain my rights under the FCRA and the ability to opt out regardless of the account status, XXXX maintained that the account closure rendered the opt-out request invalid. XXXX said because the account was closed I would need to speak with the credit reporting agency. Dissatisfied with this response and understanding the importance of protecting my privacy rights and aware of my legal rights under the FCRA, I requested to escalate the matter to a supervisor. 

Finally, I spoke with XXXX, a supervisor, and reiterated my request to opt out of information sharing practices, emphasizing my rights under the FCRA. However, XXXX also refused to assist me, citing the closed status of the account. Despite my efforts to explain that my rights under the FCRA are independent of the account status, XXXX persisted in denying my request. 

I am deeply concerned about the company 's refusal to honor my legal right to opt out of information sharing practices under the FCRA. The FCRA explicitly grants consumers the right to opt out of certain information sharing, regardless of the status of their accounts. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA and protect consumers ' rights.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.
Consumer complaint received 2022-04-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

The first year anniversary date of my reverse mortgage is XX/XX/22. I have maxed out my first year line-of-credit balance. I need to make a line of credit ( LOC ) draw to pay urgent medical/dental bills by XX/XX/22. 

Yet the mortgage holder tells me I can not receive a draw on that date. They say that XX/XX/22 is the first time I can request a draw and that it will take XXXX business days to be processed, then the money can be placed in my account. ( My bank wouldn't receive it until XX/XX/22. ) They told me a line-of-credit draw submitted before XX/XX/22 would be rejected. 
So, if I send in a line-of-credit draw request XXXX days before XX/XX/22, they would ignore it. 

Is this in agreement with government rules concerning reverse mortgages? Can they force me to wait XXXX days after my anniversary date to receive my draw? 
Thank you for your help in this matter.