davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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. (NC)

I sent a letter to XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Ive filed a few disputes with the bank On XX/XX/XXXX because my identity was stolen a total of {$4800.00} was taken out of my account, a check was additionally added to my account that was unauthorized, they did not honor my dispute on XX/XX/XXXX so I asked for the case to be reopen, they told me I wouldnt be able to get my money back until after the case was closed because I asked for credit to be rushed, I call a week later and Im told that my dispute is being closed again because of information they kept leaving out, Dealing with Huntington bank they treated me as if I were the criminal and not only that I lost over XXXX, which is absolutely ridiculous!
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

In XX/XX/XXXX I refinanced my PHH loan I had for less than a year to get away from them, because of their horrible customer service. During the refinance process PHH gave incorrect payoff information to the Title Insurance Company, they did not include my last XXXX XXXX XXXX payment, so the Principal balance, interest etc. was higher than actual. I figured they would correct it with their PIF check refund to me. However, they didn't. Right now they owe me over {$2000.00}, but they are not willing to acknowledge their mistake. I sent couple of emails to get the issue resolved and their escalation officer called me on the phone, but he spoke poor English and couldn't follow my explanation. 
Their Response Letter to me, dated XX/XX/XXXX, gives a breakdown of the payoff funds, but it is mathematically incorrect.
Consumer complaint received 2020-03-11
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. (VA)

I applied for a new apartment ( XXXX ) on XX/XX/2020. The background investigation company, On-site, reported that a late payment/delinquent account with XXXX exists, which affects my credit and my credibility with companies like XXXX. I contacted Equifax and they claimed that they were looking into it, but this false reporting was supposed to have been removed from my credit in XXXX according to XXXX, whom provided me a a letter that was sent to all credit bureaus. Equifax still has not removed the faulty information and it is affecting my ability to rent.
Consumer complaint received 2021-03-11
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: Bread Financial Holdings, Inc. (GA)

COMENITY BANK IN PARTNERSHIP WITH VICTORIA SECRET HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH COMENITY BANK AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

My wife and I purchased our current primary home XXXX years ago XXXX XX/XX/XXXX XXXX, with the help of XXXX XXXX. The 3.875 % XXXX annual interest loan was subsequently sold to Provident Funding Associates, L.PXXXX ( Provident ) about a year or two later. On or about XX/XX/XXXX, after making nearly XXXX consecutive timely monthly payments, we decided to refinance with Provident, seeking a 2 %, XXXX loan to reduce our interest expense and shorten our payoff date. Along with the application, we submitted everything that was required, as confirmed in writing by a company representative. Subsequently, we received a long list of additional requirements, many of which were not pertinent, as if someone did not pay attention. We fully responded to this second set of requests, too. Unfortunately, this was not sufficient for Provident staff. They insisted that I prove the payoff of a XXXX loan for one of my three fully paid off properties. The loan in question for the sum of {$36000.00} was funded by XXXX XXXX. Though I misplaced the paperwork, this loan was paid off in XXXX and has dropped off my credit report because of how old the pay-off date was. Provident staff pulled my credit report on XX/XX/XXXX, so they are aware of this information. XXXX XXXX  was purchased by XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, long after our commercial relationship ceased. Provident staff has refused to reach out to XXXX to confirm that there is no outstanding loan. They also refused my request to include this phantom loan in their underwriting of our refinance application. My wife and I earn $ XXXX a month, have approximately {$4000.00} in total monthly expenses, and have no debt, except a {$150000.00} balance on the loan with Provident. We also have enough liquid resources to pay-off the mortgage balance if we so desire today. Given this profile, we see no reason why we do not qualify for a refinance. We significantly have less debt now than when Provident purchased our loan from XXXX XXXX, have more assets including liquid ones, make more money, and are already on their books. Perhaps, they can come up with a justifiable reason, other than saying we asked for the application to be withdrawn in their XX/XX/XXXX denial notice, which is total fiction. Our appeals on both the telephone and in writing did not yield any fruit.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CO)

Two to three weeks ago, I tried to have a freeze on my credit lifted from all three credit bureaus. I dont remember which one it was exactly. I contacted either Equifax or XXXX I was declined from speaking to someone because they said they couldn't verify my identity. I think they have the wrong address on my person. From either Equifax or XXXX, I was instructed to send a letter containing my name, soc. Security number, date of birth, two documents verifying my identity, signature and intention I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received one letter from XXXX, I think.it was my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem.
Consumer complaint received 2020-03-24
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. (UT)

XXXX/XXXX XXXX is reporting a debt on my credit file I do not owe. This debt has been paid and it needs to be removed. I did not know if this debt until I checked my credit, and I immediately paid it. I did not receive my 30 day right to dispute.
Consumer complaint received 2020-03-11
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. (CO)

XXXX ; Experian and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (SC)

National Credit Adjusters communicated with me through mail and by phone to attempt to collect an alleged debt owed to XXXX XXXX in the amount of {$990.00}. NCA called me on several occasions explaining about this debt that was created over 13 years ago trying to collect from me on this debt. I explained to them that I didn't know anything about this debt. They have repeatedly called me concerning this matter. I WANT THEM TO STOP HARASSING ME ABOUT A DEBT i KNOW NOTHING ABOUT.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (IL)

This account was a result of identity theft. I have never paid this company any money and it is reporting on my credit report as paid. I spoke with the original creditor and we were upon an agreement. We were in the process of purchasing property and decided to pay it with the original creditor not to Penn Credit as they are reporting. I do not live at the address where this took place.
Consumer complaint received 2020-03-11
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and  this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I have a account with PayPal that I havent used but once over a year of having it because of there XXXX policies well I forgot it was linked to my XXXX and had XXXX  XXXX  sent to me after getting XXXX out they locked my account and are holding XXXX of mine its been 2 months I need the funds they are trying to make me wait 6 months but after reading about others it could be longer please help
Consumer complaint received 2024-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (MN)

I opened a HELOC account with US Bank several months ago, and as part of the closing process signed up for their XXXX XXXX with the minimum suggested monthly payment, thinking that they would calculate this amount as a reasonable amount to payoff the line of credit over some timeframe ( e.g. XXXX XXXX XXXX XXXX XXXX XXXX. 

I noticed now a couple months later that not only am I not paying off this line of credit, I actually owe MORE now than I did when the line opened several months ago! I attempted to create a new XXXX XXXX with a higher payment amount, but the only option when setting up XXXX XXXX is their suggested amount. 

Frustrated with this, I reached out to find out how to setup an XXXX XXXX that would actually pay off my line of credit at some point instead of accruing interest forever. Turns out that US Bank does not offer such automated payments. The only way to actually pay off your line is to make a XXXX payment every month in addition to the suggested amount so that the principal goes down. 

This is a very shady way for them to do business, as by default I will never pay off my line of credit and they will collect interest payments from me forever. Good for them, pretty terrible for me the consumer. 

I can not fathom how in XXXX  there isn't a way to setup XXXX XXXX for an amount that will actually pay off the line of credit eventually. This feels borderline XXXX to be honest. It's definitely shady business practices and NOT something they call out during the closing process that additional XXXX payments are necessary.
Consumer complaint received 2023-01-17
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. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$640.00}
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

Fraudulent charges were made to my Apple Card in XX/XX/year>. Ive disputed them every XXXX  days. They do not do anything but just keep reopening a dispute. I continually have issues with fraud on this card. Ive requested new numbers several times. We are coming up on a year with XXXX results. 

Amounts are : {$1800.00} {$930.00} Made on the same day XX/XX/year>.
Consumer complaint received 2023-01-17
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. (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 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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 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.C1 681s-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 2020-03-24
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. (NC)

XXXX XXXX  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies
Consumer complaint received 2020-03-24
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. (TX)

All FTC violations TXU violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Consumer complaint received 2021-01-16
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. ()

My lease account from XXXX started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to XXXX in full, a payment of {$15000.00} was made to XXXX in XX/XX/XXXX. 
XXXX still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off. 
I called XXXX, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on Experian. The dispute processing was completed and the account still shows the late payment. This brought my credit score from 750s to XXXX!
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My issue is described below in the letter that I have mailed to PHH Mortgage Services. The letter reads as follows : To Whom It May Concern, My mortgage loan was recently picked up my PHH Mortgage Services. I created an online account XXXX of XXXX and began paying my mortgage online via your website. I successfully made my XXXX and XXXX payment of XXXX. 

Today, XX/XX/XXXX, I logged onto my PHH Mortgage account and noticed that my XXXX payment had not yet been made. I tried to make an online payment, but your website stated that I could not make a payment at this time and I must call your customer service center for more information. I then placed a call to your customer service center as directed by your website. 

Your customer service representative, XXXX ID # XXXX, informed me that I could not make online or over the phone payments as an Amendment must first be signed and returned. She informed that that this Amendment is required to be signed by a new State Law. She was unable to state what new state law required this. 

I then asked why I was not informed of this change sooner and given the appropriate amount of time to sign the amendment and return before I would be locked out of paying my mortgage via online payment. She again was unable to answer my questions. She has assured me that no late payment fee would be applied for the month of XXXX, XXXX while the Amendment was being mailed to my residence which was not mailed until today. 

I am extremely upset with this process that PHH Mortgage has implemented. If I would have not logged onto my account, I would have assumed that my autopayment would have processed and never known that my XXXX mortgage payment was not paid. I am sure PHH Mortgage would then apply a late fee and report it to the credit bureau where it would have adversely affected my credit score. 

PHH Mortgage should have sent a notification to all of its customers of this change months in advance. I can only imagine how many others are experiencing this same problem and will miss their payment. 

I am requesting a phone call with a PHH Mortgage representative who has the power and authority to discuss this issue and make it right not only for myself but all of your customers. I can be reached by email at XXXX and by cell at XXXX. A copy of this letter will be sent to the Consumer Financial Protection Bureau and an official complaint filed.
Consumer complaint received 2023-01-17
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. (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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 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.C1 681s-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.