davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

The owner is deceased. All documents have been submitted from the XXXX  Court. This house is a part of an Estate. Ocwen Loan Servicing, first asked for a loan Modification application, we did it, and then they came back and asked for an Assumption  package we did it, Family Transfer package we did it. We sent information concerning the administrators we did it. The person taking responsibility for the loan is the grandson everything was verified by Ocwen.They requested a new Deed with the grandson as the new owner we did it.On XX/XX/XXXX, the new request of Applicant Information Form and the Owner Occupancy Certification was submitted. Then in XX/XX/XXXX the loan was transferred to PHH.

All of these applications and proofs submitted was not accepted or acknowledged by PHH even though PHH is an Ocwen Company.

The person that we worked with was at XXXX XXXX ext. XXXX ( Ocwen ) With PHH, it took 3 months to just talk to some concerning the account and had to call back multiple times and still got no information, but they would put a sale date on a property that complete all of the requirements.We tried to send proofs of all the documents submitted they refused. We completed the new loan modification for PHH they said we did not need too. Yet they have a sale date for XX/XX/XXXX. 
The whole month of XXXX starting XX/XX/XXXX. Each time we called we rece3ived another story after being put on hold for at least 10 times if they transfer you to the right department.We spoke to XXXX XXXX Qualifying Assumptions, then each time we called they told us that the case was esculated, we spoke to ID XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX on XX/XX/XXXX and this person said that there were no esculation and nothing was being done to stop the sale Ocwen though everything was done before the transfer. We called back and each time we were transferred they hung up on us. We had scheduled appointments they never called and the assigned representative could not be reached.

We never received a notice of sale from Ocwen or their attorney we found out though a person coming to see the house and from calling PHH.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (NY)

Company refuses to reinstate my credit limit of {$1600.00}. They should have contacted me before obtaining a credit report on XXXX XXXX XXXX  They should had gave me 30 day notice of decreasing my credit limit. Also, on XX/XX/XXXX I purchased XXXX  gift cards that I paid cash and they charged my target card. I only charge my target card for the non-gift cards. I called to file a dispute and they said they did it, but it was never put through. When I first open the account up with them, I was promised a {$40.00} voucher part of my new membership for opening the card.never sent to me.every time I try to use my card in target half the time it doesnt work. This is the worst stire card I ever had.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Theres are numerous hard inquiries on my credit report and also 1 false/negative account.

These items on my credit report are the result of identity theft and Ive gone to the corrective agencies in my attempt to sort the matter out of getting these false items removed from my credit report.

I have reported all hard inquiries and false accounts with the federal trade commission as fraud/identity theft.

I have attempted to dispute these items on my credit report numerous times with Experian, XXXX  and XXXX. 

XXXX has identified this XXXX XXXX XXXX credit car account as fraud/identity theft, and have taken the proper action in removing this false account, however the hard inquiries still remain. 

Experian and XXXX  have not taken any actions to remove these accounts and several rounds of Fair Credit Reporting Act backed disputes have gone unanswered, and unverified. 

According to the Fair credit reporting act Credit bureaus must respond to disputes within 30 days by verifying or removing said items of concern. 

I have prepared my disputes backed by my attorney in XXXX document format, I have also notarized and sent my letters via certified mail for tracking and documenting reasons. 

This is my 3rd attempt to dispute these false items on my credit report, additionally I have filed an identity theft report with the federal trade commission my following action will be a court proceeding to correct this issue. 

Please remove the following negative item and hard inquiries from my credit file immediately XXXX XXXX XXXX Hard inquiries : please remove the following inquiries in immediate fashion. 

Creditor : XXXX/XXXX Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor XXXX XXXX Creditor XXXX : Date : XX/XX/XXXX Creditor : XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX This is my federal trade commission identity theft report number : XXXX Happy New Years, Best Regards
Consumer complaint received 2019-12-30
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. (CA)

I wrote a letter to Experian dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Experian refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Experian conducted a thorough investigation because the information is not provided by the XXXX Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Experian dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Experian so this erroneous information shall be deleted from my Experian credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (IA)

Transunion is reporting inaccurate information and Errors and is in violation of FCRA laws. XXXX XXXX could not submit proof of claim or accurate verifiable information and used deceiving tactics to victimize me. Transunion is reporting inaccurate information on balance, amounts, and status information. Inaccurate information and reporting is a violation of FCRA and Transunion is in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Transunion 's repeated non-compliance with my requests will also be construed as an absolute waiver of all claims to enforce the debt against me and Transunion 's implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt without validation it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, these accounts must be removed from my credit file. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX ) Citation Number : Event Filed By Filed Create Date Last Updated Action Date DISMISSED PER COURT XXXX XXXX XXXX XXXX XXXX XXXX Other Order XXXX XXXX XXXX XXXX XXXX XXXX Comments : SUBMIT PROOF OF CLAIM WITHIN 30 DAYS Motion for Default Judgment XXXX XXXX XXXX XXXX XXXX XXXX Return of Service - Other XXXX XXXX XXXX  Other Event XXXX XXXX XXXX  Comments : CERTIFIED MAIL -- - CERT # XXXX Other Event XXXX XXXX XXXX XXXX XXXX XXXX Comments : REQUEST FOR SERVICE BY CERTIFIED MAIL RETURN OF SERVICE - DILIGENT SEARCH XXXX XXXX XXXX XXXX XXXX VERIFICATION OF ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Small Claims Original Notice XXXX XXXX XXXX XXXX XXXX XXXX Comments : XXXX FOR : {$1500.00}
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (FL)

XXXX-XXXX/ follow up On XX/XX/XXXX I received in the mail the original Security contract however this is not validty of the debt this was from XXXX XXXX XXXX whic states effective XX/XX/12. This does not indicate that I owe XXXX or XXXX XXXX XXXX a dime. This alarm system was for one year and I canceled when my house was broken into with this company was monitoring. I have wrote numerous letters and contacted both XXXX   and XXXX to get this matter resolved after all these years being removed from the credit bureau report this company with all types of violations decides to place a debit on my report that I don't owe. I have been very unsuccesful with getting any results with either XXXX, XXXX and XXXX XXXX XXXX. None of these companies have or can provide me with documentation that I owe. I have contact XXXX XXXX as well for assitance and I have spent so much money sending documentation back and fourth with no results.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This complaint is being filed regarding an excessive hold delay on the availability of funds from a check deposit. On XX/XX/XXXX a check was deposited at a local Bank of America branch ATM for {$10000.00}. After depositing the check the ATM displayed a message which was also included on the printed receipt which stated a hold was placed on the deposit which would delay the full amount until XX/XX/XXXX. 

I parked and went into the bank to seek a resolution with someone in person. The teller stated she was unable to do anything and simply gave me the phone number of a Bank of America customer service line to call. This was written on a Post it note. What a joke.

The check has cleared from the originating bank ( it was a check written from my business account at a different bank to my personal account at Bank of America XXXX. I called the customer service line today to see if the hold could be released or the process sped up since the {$10000.00} is already gone from the originating bank account. The person I spoke with via BOA customer service stated that nothing could be done, and I would simply have to wait until XX/XX/XXXX for the funds to be available.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are 13 hard inquiries on my Transunion credit report and I want them removed. I have not given any company permission to pull my credit. The following are the inquiries. I rectified the issue with XXXX and XXXX. 

1XXXX XXXX XXXX XXXX Banks and XXXX XXXX XXXX XXXX 2.TransUnion XXXX XXXX Finance other than personal XX/XX/XXXX 3.TransUnion XXXX Finance, personal XX/XX/XXXX 4.TransUnion XXXX Personal Loan Companies XXXX  5.TransUnion XXXX XXXX Bank Credit Cards XXXX  6.TransUnion XXXX Finance , personal XXXX TransUnion 7.TransUnion XXXX XXXX 8.TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX 9.TransUnion XXXX XXXX Automotive XXXX  10.TransUnion XXXX XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX 11.TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX 12.TransUnion XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/XXXX 13.TransUnion XXXX XXXX XXXX XXXX Automobile Dealers, New XXXX
Consumer complaint received 2020-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I was about to graduate in XX/XX/2018, when I was told by XXXX XXXX that he had an idea that would allow me to walk for graduation. I was desperate and wanted to explore any alternatives for graduation. He told me it was a loan through the school, but come to find out its a private loan from Navient. He made me take out the loan AFTER I shown proof that they owed for a health fee I ALREADY PAID FOR! 
Not only that, Im still in XXXX  school, and they continue to keep bothering me. Please help me
Consumer complaint received 2020-06-10
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2018-03-03
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. (CA)

On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

There are two negative collection account being reported on my credit file from the following two collection companies : 1 ) XXXX XXXX XXXX XXXX {$1600.00}. collection acct from XXXX XX/XX/XXXX.It XXXX XXXX XXXX shows on my report as the acct was opened on XXXX XXXX, MN XXXX XX/XX/XXXX. THEIR ACCT # XXXX XXXX * THE ACCT XXXX XXXX XXXX WAS CLOSED IN XX/XX/XXXXAND PD. THE DATE OF THE 1ST LATE PYMNT WOULD BE WELL OVER 10 YEARS AGO. COLLECTION CO IS ACTING ILLEGALLY BY REPORTING THIS TO CREDIT BUREAUS AS THE ACCT IS WAY PAST THE LEGAL DATE FOR IT TO BE ON MY CREDIT FILE. ALSO, NO ONE HAS MY SIGNATURE IN ORDER TO OPEN THE ACCT. 

2 ) XXXX XXXX XXXX A {$57.00} collection acct from XXXX XXXX  XXXX opened XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX, GA XXXX ACCT WAS CLOSED OVER 7 YEARS AGO, AND THE DATE OF THE FIRST LATE PAYMENT WAS IN XX/XX/XXXX.I AM NOT AWARE OF ANY AMOUNT DUE ALSO. 

IT IS NOT LEGAL FOR EITHER COLLECTION CO TO REPORT ANY DEBT TO ANY CREDIT BUREAU BY FALSIFYING THE AGE OF THE DEBT INVOLVED.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (FL)

M & T Bank is reporting on my credit file that Im behind on payments for the loan of my XXXX XXXX I sold the XXXX back in XXXX XXXX XXXX. They have received payment from the buyer and yet they are still reporting it open and that Im behind XXXX months. It is destroying my credit score. They still have not closed the account.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from my credit profile.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir or Madam, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/ MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXXXXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

-At one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( 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 I never worked at these places of employment : XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 off my report with monetary relief for damaging score or provide proof in writing within 30 days.
Consumer complaint received 2023-04-30
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. (PA)

Dear Credit Bureau, I am writing to dispute a false collection account XXXX XXXX XXXX XXXX # ( XXXX ) that is currently appearing on my credit report. This account has been inaccurately reported and I am requesting that it be removed immediately. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that all information appearing on a credit report be accurate and up-to-date. Furthermore, the FCRA requires that all disputes be investigated within 30 days. 

Additionally, I have been having an issue with the manner in which your collection agency has been attempting to collect the debt. Your representatives have been constantly harassing me for payment. Calling me during work hours and late at night, and I feel that I am being treated unfairly. This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that you immediately remove this collection from my credit report, as well as cease any further attempts to collect the debt. 

Please contact me within 30 days to confirm that this matter has been taken care of. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-08
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. (GA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1200.00} There are no contracts, no valid claims ... account was settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.