davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2019-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I have been trying to make payments to Ocwen loan for the remaining balance on my mortgage which was due to end on XX/XX/2018. I had XXXX left to pay. Then Ocwen stayed that they would only take full payment toward the entire balance and they keep adding more on until it got to XXXX Every time I call I get switched overseas and I can barely hear on the line because it is so crackly. They refuse to take partial payments. I have the {$1200.00} to pay for the original amount but in money orders but they sentnit back to me because they now want a bank wire for {$3200.00}. But if I send it today they will take XXXX. But only by bank wire. Please help me. I dont know what to do
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Comerica (AZ)

Regarding XXXX On or around XX/XX/2019, i received a notification from all 3 credit reporting agencies that The XXXX XXXX XXXX reported an item onto my credit for a collection in the amount of {$2200.00} ( per XXXX ) this item reflects Comerica bank as the lender / creditor. I attempted to dispute this item as i have not had any accounts with comerica. The dispute was denied, XXXX XXXX XXXX reported that the dispute is invalid. 

I contacted comerica bank and was advise my name and information does not match, and that it wouldn't be reporting on personal credit since the item is a business loan/account not a personal one. I contacted best service company and was advised that it is a personal obligation and that they will continue to report it, unless i send documentation in to provide the details. This is not resonable as i was asked about a different last name of an individual or business and denied knowing any of those individuals/entites. I requested they review with comerica and remove the item from my report, to no avail. 

I am requesting they remove this item from my credit immediatly.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Creditors Bureau Associates (AL)

This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Consumer complaint received 2021-08-01
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. (FL)

I have disputed this issue 3 times with Equifax and XXXX. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason Equifax and XXXX  websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to XXXX  and Equifax several times and they either disregard my documentation or their website will not accept the documents. The XXXX and XXXX XXXX accounts are being reported incorrectly on my credit report. Equifax and XXXX  are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over XXXX XXXX XXXX and need to be removed from my credit. Please help me!
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax and XXXX reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

Equifax and XXXX FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

Equifax and XXXX FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

Equifax and XXXX have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-05-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (AL)

My home loan was transferred to Guaranteed rate and they were my loan servicer for 2 months. After that time, my loan was transferred to XXXX XXXX. I continued to receive statements from Guaranteed rate for multiple months despite providing documentation to them showing that the loan had been transferred. I received nothing but promises of resolution with no action. I spent multiple hours on the phone, spoke with multiple people and yet continued to get harassing letters in the mail. My account was sent to their collections department and I continued to receive statements from them with increasing about of money that they stated I owned. When I asked to speak to a supervisor, multiple supervisors were unable to resolve the issue and I was again told that the issue would have to be researched and they would get back to me.
Consumer complaint received 2019-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

MoneyGram is a fraudulent operation, thus beware, you might lose your money. I attempted to send US {$550.00} to my recipient in XXXX on XX/XX/2019, but no money was delivered on the other end even though the funds were withdrawn from my bank account immediately. I am now chasing that money to try to recover it somehow, as crooks operating MoneyGram are giving me the runaround by bouncing my calls to multiple numbers in different countries, some of which are never answered. I initially called their toll free number, the call was picked up in XXXX, and I could hear farm animals in the background while a peasant transferred my call to yet another country, seemingly in XXXX XXXX, so I would have the pleasure of speaking to a rude individual who barely spoke English. I am nearly certain they have no intention to refund the money they scammed from me. So don't trust MoneyGram, it is a very shady operation, it is a fraud.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (GA)

I attempted to dispute a collection on my account from XX/XX/XXXX, on XX/XX/XXXX as not my responsibility. I never received a notice of a balance and when disputing the collector, they sent me a " proof of responsibility '' with my name, address, diagnosis codes and insurance company from my medical visit which is protected information under HIPAA. They took 3 years to send this to me. On my credit it says it was only added in XXXX of XXXX.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (GA)

Good Afternoon, I had to renew my lease on XX/XX/XXXX and when I did my leasing office pulled a report from a Equifax website that lenders, banks, landlords and employers use to report information. Well my leasing office uses this website and pulls info, well the info reported about a employer ( XXXX XXXX ) c is incorrect. I reached out to Equifax to dispute the info but the reps that I spoke advised that there was no employment history listed on report to be disputed or removed. I then advised about the the verification website and he could not help he did not know what I was talking about. I then tried contacting their corporate to speak with someone for 5 days straight to get info corrected. Either I got a different operator and they were EXTREMELY RUDE and kept wanting to transfer me to the regular customer service line even after I told them that they could not help me or every option I chose the voicemail stated that they were in a meeting. The reps in corporate yelled and cursed at me numerous times as well as hung up in my face. I even filed a complaint with the XXXX and was advised that they can not help me either so at this point I should not be just stuck without a resolution because if the info is not corrected I could be put out because I can not afford the increase or the back rent amount approx {$1800.00} they want me to pay based on info on website.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX )
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Maximus Federal Services, Inc. (OH)

Current Aidvantage account amount {$3800.00} has increased while apart of the Income Driven Program without notice.I am not liable for this account.I do not have a contract stating the the current incident.I am a Victim of Identity theft. 

By the provision of the Fair Credit Reporting Act, I demand that that these items be investigated and removed from my report.
Consumer complaint received 2019-12-18
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. (FL)

I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER EXPERIAN AND XXXX. 
XXXX  WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX  MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER EXPERIAN NOR XXXX  HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.
Consumer complaint received 2021-12-14
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. (PA)

After carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021, and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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)

XXXX Bank XXXX XXXX processed a hard inquiry on my credit report on XXXX XXXX. This was done without my knowledge, permission, or consent. When asked for the reason of the inquiry, they stated it was for " account assessment ''. They refuse to remove the hard inquiry from my account, despite the fact that this was done without any reason, and for no purpose. Again, this was done without my permission and consent.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I moved out of XXXXXXXX XXXX XX/XX/XXXX my lease was broken early. I was contacted by XXXX XXXX in XX/XX/XXXX to advise an amount via email. I personally went to the office and met with XXXX the manager who acknowledged the termination fees were charged twice in the amount of {$3900.00} The fee in the lease shows two months rent. My rent was {$980.00} the fee was {$1900.00}. We agreed to settle for {$1500.00} for the mix up. They didnt give me enough time to pay the debt. I noticed it was sent to collections for {$5300.00}. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX attempting to collect a debt. I was contacted again by XXXX XXXX representatives in XXXX, XXXX, XXXX of XXXX attempting to collect a debt. I filed a dispute with the credit bureaus as well as the debtor that the balance {$5300.00} was incorrect. I provided emails between XXXX and myself with the amount of {$3400.00}. I tried to settle the debt but at the correct amount of {$3400.00} not {$5300.00}. My credit report was updated XX/XX/XXXX. This has caused XXXX XXXX and XXXX as Im unable to refinance my home and my autoloan was given at a higher interest rate due to this inaccuracy.
Consumer complaint received 2023-01-23
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. (OH)

I am a victim of identity theft. Someone in XXXX XXXX, XXXX  opened a XXXX account in my name and then did not pay the bill. So now it has severely damaged my credit. I filed a report with the XXXX, XXXX  police dept. but because the fraud occurred in XXXX XXXX, XXXX, it is out of their jurisdiction. Experian said Im needed to file a report we FTC who transferred me to your website. The address on the report is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never lived in XXXX. I contacted XXXX and they have removed the charge, from me, but Experian refuses to correct the error. Both XXXX and XXXX have corrected my file, but experian has not and said they can't without a, report from the FTC. Can you please help me as this has been going on for months and the stress is affecting my health. I am XXXX XXXX old and XXXX.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

THE OVERALL ISSUE IS HOW SLS IS CALCULATING MY MORTGAEG PAYMENT EACH AND EVERY MONTH ( PRINCIPAL VS INTEREST BEING APPLIED ) THE SECOND IS THE FACT DURING THE HEIGHT OF COVID AND THE LENDER PUT MY MORTGAGE INTO A FREEZE STATUS, IT WAS STILL REPORTED LATE TO THE BUREAUS AS WELL AS IN NO WAY SHAPE OR FORM DID THE LENDER GIVE ME A CHOICE OF TERMS DURING MY MODIFICATION... .THEY AUTOMATICALLY PUT ME IN A 470 MONTH TERM WHICH IS ABSURD AND IN NO WAY DID I HAVE ANY SAY IN THE MATTER PLEASE HELP
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (FL)

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX Acct # XXX Date Opened XXXX. XXXX, XXXX XXXX : {$0.00}
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (WY)

I've been charged {$460.00} in fraudulent charges on my account and my bank provider has denied to credit for the fraud because I have no evidence supporting my claim. Ive contacted them on multiple occasions to appeal my account and they're not contacting me back for over 72 hours. I can not contact the company who applied charges to my account because they are out of country.
Consumer complaint received 2019-12-18
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. (IL)

Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on XXXX/XXXX XXXX XXXX original creditor XXXX account number XXXX. ( Please see page attached from my credit report. ) I originally had XXXX as my phone service. I live in a very rural area and my commute is lengthy. I had sporadic service at best. I contacted XXXX and asked if there were any trouble-shooting tips I could utilize that XXXX help. I followed their instructions and nothing helped to enhance my service. I called XXXX back and the representative told me that the lack of service was of no fault of my own and they agreed to let me out of my XXXX contract. I wasnt made aware that this account had gone to collections until I obtained a copy of my most recent credit report. I was shocked to see that XXXX had not honored their word to cancel my account, but rather had sent this account falsely to collections. I was never notified by XXXX of any action of a collection was going to take place. This collection/charge-off that is appearing on my credit report is seriously harming my credit score and this line item needs to be removed. I have contacted not only XXXX and XXXX XXXX to assist me in removing this, but I have also contacted the ( 2 ) bureaus however, I have not been successful.
Consumer complaint received 2022-11-07
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-27
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX