davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-26
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)

I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous 2 correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers.

Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.
Consumer complaint received 2021-09-26
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. (PA)

On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with XXXX XXXX XXXX ( XXXX ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX XXXX and XXXX regards to this but no action has been taken.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (PA)

On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with National Credit Adjusters ( NCA ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX  XXXX  and NCA regards to this but no action has been taken.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-04-16
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX  closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-12-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Insikt, Inc. (CA)

On the date XX/XX/2019 am open account of a loan was removed from my credit repot as a despus and I wanted to undo that despute which was an error I tried going all over the internet trying to see if I can have it put back in my credit report so I can also get the credit for it as well all my payments for the personal loan I got have still been made on time and will keep being on time if I could have a response to how can I can resolve the issue I will appreciate it -Thank you
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (SC)

I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly
Consumer complaint received 2021-09-27
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: The Bureaus, Inc. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. The Bureaus , Inc. violated 15 USC 1692c ( b ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 usc 1681a ( 2 ) ( i ), and 15 usc 1681a ( e )
Consumer complaint received 2022-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (NC)

I got a sketchy voicemail from a debt collector that sounded like a scam. I already paid for the XXXX on XX/XX/2022. I just got something in the mail saying i need to paid. Its already paid. I dont understand.
Consumer complaint received 2022-08-15
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. (TX)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
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. (SC)

I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

I have a MasterCard with Barclays Bank they have blocked my access to my account the reason they give me that in XX/XX/2021 the word lawyer somehow got out of my account I never hired a lawyer I never talk to a lawyer I never talk to them about a lawyer this is XXXX they have no letters from a lawyer no contact from a lawyer I explain to them thats crazy if I had hired a lawyer for something they certainly wouldve contacted them at some time from XXXX until XXXX
Consumer complaint received 2021-09-27
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 have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, XXXX is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .Equifax is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

My student loans were transferred over to Mohela in XX/XX/2022. Several employment certifications for PSLF had been sent over from XXXX XXXX. My counts were not updated. In XX/XX/2022, I took the day off because despite the transfer my loans had inaccurate counts knowing that the wait times would be longer than typical. Some payments had been counted while others had been excluded with no rhyme or reason. After spending all day on the phone I finally spoke with a supervisor who found that they had indeed overlooked employment certifications and she told me they would escalate it up to ensure those accounts were accurate. That never happened. I called again to find out why nothing had happened, and was told the request was cancelled. I asked to talk to a supervisor, and waited on the phone for two hours. No supervisor ever picked up. I called again today because nothing has changed. I was told that I was " approved '' but my employment was not certified. This makes no sense. I asked to speak with a supervisor and was told that I was not allowed to unless they got special permission. She said she would go ask, and then she left me on hold and never came back to the call. At this point I have spent over 14 hours on the phone with Mohela, and they have refused to fix a mistake they already acknowledged they made. In addition, they are not allowing access to appropriate individuals who can address the problem. They had all my paperwork in XXXX XXXX XXXX and have done nothing with them.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, Transunion is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .XXXX is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank ( XXXX 's store credit card ) is contacting me for debt that is about XXXX dollars. I spoke on the phone informing them I never received a bill and never received an actual account card with information to make an online account and pay my card. 

I'm happy to pay if they let me. 

They call an average of 4 times a day and each time they leave a voice-mail lying about why they are calling. 

Instead of saying they are calling about my XXXXXXXX XXXX card they say this ( exact voice-mail transcript ) : This is XXXXXXXX XXXX  calling . We want to connect with you regarding the tax refund you may be receiving. We would like to help you explore options we have during a limited time for tax season. Please contact us today so we can talk to you about a special option. '' I also started a debt repayment program ( XXXX ) who told me to block their calls ... but they keep calling on different numbers
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MN)

We have two mortgages on our house, both originated when we got our house. Both my husband and I had not great credit at the time, now have mid 600 's for a credit score. The larger mortgage is a 30-year mortgage, with an interest rate of 6.9 %, the other is an interest-only loan with an interest rate of 11.49 % that we didn't realize had a balloon/final payment after 15 years. Both mortgages originated with XXXX, then were transferred to Ocwen, and we now have PHH. We have tried a couple of times to refinance our house but because of the horrible interest rates, we can never get far enough ahead for anyone to consider us. 

We have consistently paid 15 years on the smaller mortgage, paying in {$63000.00} on a loan that was originally {$30000.00}. The most recent payoff total for this loan is {$30000.00}, which means we have fallen behind {$210.00} after making 15 year 's worth of payments. I sent a message twice to PHH asking what our options are if we can't make this balloon payment, and both times I didn't receive an answer.

On the larger loan which was originally {$130000.00}, we have paid in over {$250000.00} and the approximate balance is {$120000.00}. So between the two loans we have paid in over {$300000.00} in just 15 years for an original amount of {$160000.00} between the
two mortgages.
Consumer complaint received 2021-09-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX  and XXXX  of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you
Consumer complaint received 2021-09-26
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. (FL)

There are several inquiries on my Transunion report specifically occurring on XX/XX/XXXX, I asked TU to remove but they did not.
Consumer complaint received 2021-09-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

I have over the last 4 months been working with my current mortgage company ( see attached ) to refinance my loan to receive lower interest rate and lower my monthly payments due to Covid - 19 pandemic impacts on my needing help so as not to loose my home. I loan was denied and was not fairly explained I have reached out to them on several occasions with no response.
Consumer complaint received 2021-09-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I do not have my dates exact. Approximately two years ago I noticed a charge from XXXX. XXXX XXXX. I filed a dispute with Citi Cards and they followed up and reversed it in XXXX favor. Citi told me to call XXXX and resolve it with them. So I called they could not find an account, if I remember correctly because its been two years. However I have not owned a XXXX product in at least 15 years and I would not buy a XXXX product I have no use for them. Anyways in the end I ate the {$100.00} I asked Citi Card to change my account number so that it could not happen again just in case its a subscription. The following year it happens again I file a dispute. They went in favor of XXXX again. Lets just say it was a mistake the first time just for grins. You dont make the same mistake two years in a row it sounds like Citi made a mistake. But they are so big how do you fight them over a lousy XXXX dollars? I canceled my account closed it. As a consumer all I can say is we are powerless over these big companies what can I do?
Consumer complaint received 2021-09-26
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: EQUIFAX, INC. (NY)

I XXXX XXXX, I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1681b ( 4 ) ( C ) ( 3 ) ; Information regarding inquiries " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' As a Federally protected consumer under title 15, I demand Equifax remove of all inquires on my consumer file immediately