davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (RI)

Around XX/XX/XXXX I tried to get my free credit report online from Equifax via the Annual Credit Report website. I answered all questions and then was presented with a webpage telling me I could not access my report online. I thought perhaps that I had requested it less than a year from the previous request. I subsequently requested and received my report by mail. The same problem was repeated this year around XX/XX/XXXX. After following the directions, I was again presented with the webpage saying I could not access the report online. I tried again several times since then including today ( XX/XX/XXXX ) with the same results. Sometimes I would be asked security questions and sometimes there would be no questions before telling me I could not access the report online. I made several phone calls to Equifax customer service including a supervisor. I explained the situation telling them I wanted online access. I asked them for help to do that. Each time I was told that Equifax was unable to help me since the website is on a " government computer ''. The Supervisor told me there may be a problem with my file and that I should call the dispute department. I called the dispute department today and was also told that the website was on a " government computer '' which meant they could not help. No one ever made any attempt to help me figure out the solution to my problem. Everyone was adamant that Equifax could not help me. The dispute department suggested that I do a web search to find out what agency in the government could fix my problem. I was able to find the CFPB so I could file this complaint against Equifax. I would like to receive my credit report online but have no idea what I am doing wrong or if there is some other issue keeping me from having access. I should note that I made every attempt to ensure my answers to the security questions were correct. I never was told that any answer was incorrect.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (OR)

I received a letter in the mail on XX/XX/2022 made out to my maiden name ( I've been married for 11 years ). It was for a debt from XXXX for {$540.00}. This is not my debt, I do not owe anyone any money. The company is called American Coradius International LLC. If you look them up online you can see a long list of other people posting that this is a scam and that they were sent a fake debt bill about XXXX.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Chase offered a {$100.00} cash back bonus for referring a friend to apply and get approved for a credit card. It has been two months since the referral was completed, but I haven't received the reward, despite receiving an automated email congratulating me for the successful referral and noting a bonus is on the way. 

On XXXX XXXX, XXXX, I referred my friend to apply for the Chase Freedom Flex credit card. I shared the link provided by Chase, which offered a {$100.00} cash back bonus. Within an hour, my friend was approved for the Chase Freedom Flex credit card, which he applied for using my referral link. 

On XXXX XXXX, XXXX, I received an automated email from Chase congratulating me for making a successful referral. The email with the subject " Your bonus is on the way, earn up to {$500.00} cash back '' said I earned {$100.00} cash back. 

On XXXX XXXX, XXXX, I contacted Chase to ask about the status of my {$100.00} cash back reward, as I hadn't received it yet. It had been more than one monthly statement ( the noted time in the email ) and about two months since I sent the referral. 

On XXXX XXXX, XXXX, I received a reply from a Chase customer service representative that I was not eligible to receive a referral bonus because my friend did not apply for the same credit card as I had. This is untrue : I also have a Chase Freedom Flex credit card and used Chase 's link to refer my friend who was approved ( and currently uses ) the same credit card.
Consumer complaint received 2020-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

PHH mortgage purchased the mortgage servicing from Ocwen but did not pay the ground rent payment. PHH mortgage doesn't know what a ground rent is or what to do with it. 
The new ground rent owner has filed for an ejection of my house even though I have always paid my mortgage is on time. 

When I purchased my home XXXX XXXX XXXX in 2009 the ground rent payment was included in the payment. PHH mortgage is charging me {$140.00} a month but now applying to the ground rent. There is a lot of money in the escrow account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md. XXXX PHH Mortgage loan # XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-26
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. (GA)

I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (GA)

I have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I received a correspondence dated XX/XX/XXXX from Continental Service Group attempting to collect a debt in the amount of {$1700.00}. I immediately responded with my own correspondence disputing this alleged debt due to the fact that I had never been notified prior to the correspondence dated XX/XX/XXXXXXXX  that was previously mentioned. In my letter I requested verification of the alleged debt. I received a reply correspondence that did not verify any debt at all, but only claimed that this alleged debt was placed with their office on XX/XX/XXXXXXXX  ; that's almost three years ago. Another question I would have is why was I never contacted in nearly three years? I had no prior knowledge of this alleged debt up until the recent correspondence I received dated XX/XX/XXXX. This appears to be a form of gross negligence on the part of staff at Continental Service Group.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP (GA)

Request three times by US Certified Mail to get proof of the alleged debt validation on XXXX and XXXX. However unfortunately did not get any of them. ID Theft to gain profit is serious white crime in US include my situation. Want to be stop immediately reporting credit report agents and stop collecting activity without bringing up proper verification.
Consumer complaint received 2018-10-18
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. (TN)

I am a victim of identity theft. The accounts, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX which appearon my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2019-03-26
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. (TN)

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018 I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Consumer complaint received 2022-07-21
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. (WV)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-18
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

My husband and I have a loan with Toyota Financial Services. My husband filed bankruptcy, the loan on the vehicle was included in his chapter XXXX. I did not file and per consultation with his attorney, I am protected as well as my credit invoked under the provisions of 11 USC 1301 ( Co-Debtor Stay protection ). The issue is, Toyota has reported two missed payments and the remarks show late in the notes on all three credit reporting agencies. Per his attorney, he called into the bankruptcy department at Toyota and was not able to resolve the matter. The resolution is still pending. This situation has dropped my score over 100 points and now caused my XXXX account to lower my credit limit further hurting my score. Since this matter is not getting the attention needed, I need the CFPB to step in. I'm also in deep conversations with a prosecutor who specializes in these type of co-debtor situations to pursue further legal action.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IA)

Mr. Cooper / Previously Nationstar MTG I refinanced my mortgage with Mr. Cooper ( Previously Nationstar ) in XXXX. Upon refinancing I had a couple of debts that needed to be rolled into the loan. One in particular that actually drug out the closing because it was required to be paid to close the loan. All of the information in terms of paperwork and documentation of this said debt was in the closing paper work, however, the debt was never paid. When I reached out to my loan officer ( XXXX XXXX XXXX and his leader ( XXXX XXXX ) from the XXXX, XXXX  office, I was told that it was in fact a miss on their part, but it had already been processed and there was " nothing they could do about it. '' I since than have had my wages Garnished by my employer ( how embarrassing ), and continued to reach out formally to Mr. Cooper to file a complaint in hopes that someone could help to make light of the situation, with not only no response, but received a letter that my monthly payments would go up XXXX $ per month due to escrow increases. 

Mr. Cooper showed no accountability, empathy, or took no opportunity to make the situation right. I, in no way wanted them to absorb my debt, but simply avoid wage garnishment.
Consumer complaint received 2019-03-26
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. (TN)

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XXXX XXXX 2018 I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Consumer complaint received 2020-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A. (PA)

I contacted PNC bank after I received their letter and was told they were ending their relationship with this insurance company so they were canceling my coverage. THis is nine years into a 12 year agreement. The only option they gave me is to contact the insurance company and try to obtain this coverage myself. I have paid for this insurance for nine years and it is a part of my original loan agreement
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TN)

there was a debt collection on my credit report so I started contacting rash Curtis and Associates in XXXX California over 6 months ago after not being able to reach a settlement with them to get this removed from my report I then did a fraudulent report online through the government website for identity theft at that point I sent them letters and emails with both those documents including documents were sent to the hospital where the original debt was from and now I keep sending them emails every week and they still will not remove this from my debt collection report this is a fraudulent debt from XXXX hospital California
Consumer complaint received 2018-10-18
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. (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-18
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. (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (NV)

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. 

Account Names/ Account 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 XXXXXXXX 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 an 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.C. 1681s-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 2021-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NV)

I received a phone call from the debt collector in question on XX/XX/XXXX. I told the gentleman on the phone that I had no knowledge of the debt he was attempting to collect on and would be immediately disputing. He said he would be sending me all of the information on it and marking it as disputed. After discussing the above, i verified on my credit reporting app that no additional information was provided and actually discovered that the debt has originally been reported to all the agencies on XX/XX/XXXX. The debt collector proceeded to violate Section 809.a of the FDCPA by failing to provide me written notice, within five days of initial contact, of all necessary information regarding the debt. They also violated section 809.b by reporting the debts to the credit agencies without making contact with myself and eliminating the thirty day period to provide written notice of dispute. Thus eliminating my ability to properly dispute a debt as required BY LAW. They have also allowed the collection attempt to remain active on two of three credit bureaus after being notified of my dispute. Due to these violations and failure to provide adequate information, I have repeatedly requested the debt to be removed from my history because as far as I know this is a fraudulent debt collection attempt.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NV)

Navient keeps providing and then verifying incorrect information to credit bureaus, ruining my credit rating unfairly. Navient is reporting different information to all bureaus, they are reporting a charge off or a late mark every single month on accounts that have been closed for almost 7 years. I sent a debt validation letter to the Bureaus on XX/XX/20. Navient verified all of the information which is different for each bureau on the same account. How is this validated if all the information is different? I sent a factual dispute to the bureaus, they spoke to Navient and even though there is proof in the letters and a detailed breakdown of what information is wrong, they still validated the incorrect information. Since you are purposely providing incorrect information about these six charge off accounts to the bureaus in an attempt to ruin my credit, I want them all removed from all of the credit bureaus immediately or I will seek legal action.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute with TransUnion for reporting a inaccurate balance on my XXXX XXXX account. TransUnion removed the account completely. I called TransUnion and the stated that XXXX was not reporting to them- however XXXX proved the were reporting to them. 

I need XXXX to show on my TransUnion report.