davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I appreciate the immediate action done and respond to my CFPB complaint, however, I totally disagree with what the Creditors and Credit Bureaus claims that the disputed accounts are reporting as accurate. I took the liberty to investigate my own Credit File and I will point out the inaccuracies I noticed : 1 ) the disputed accounts are reporting as late even though I never missed a single payment. I keep my own Payment Records and what the Credit Bureaus present is different from what I have ; 2 ) the disputed charge off account was not charged to me. The account reports as paid and agreed : and 3 ) there are inaccurate personal information that are reporting and must be immediately removed. I am submitting this CFPB complaint to request another investigation to be done and have the disputed accounts and information deleted from my Credit File as soon as possible. Also, the Credit Bureaus have been claiming that the disputed accounts and information are verified without sending me copies of the result of their investigation. Once again, have the disputed accounts and information corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I appreciate the immediate action done and respond to my CFPB complaint, however, I totally disagree with what the Creditors and Credit Bureaus claims that the disputed accounts are reporting as accurate. I took the liberty to investigate my own Credit File and I will point out the inaccuracies I noticed : 1 ) the disputed accounts are reporting as late even though I never missed a single payment. I keep my own Payment Records and what the Credit Bureaus present is different from what I have ; 2 ) the disputed charge off account was not charged to me. The account reports as paid and agreed : and 3 ) there are inaccurate personal information that are reporting and must be immediately removed. I am submitting this CFPB complaint to request another investigation to be done and have the disputed accounts and information deleted from my Credit File as soon as possible. Also, the Credit Bureaus have been claiming that the disputed accounts and information are verified without sending me copies of the result of their investigation. Once again, have the disputed accounts and information corrected or deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (PA)

On XXXX XXXX, 2016, PennCredit generated a notice regarding a {$36.00} per capita tax payment on behalf of the township in which I reside. I received this notice in my mailbox the week of XXXX XXXX. PennCredit has since contacted my father 's place of business by telephone and disclosed the debt in a voice message. I believe this constitutes communication with a third party regarding my debt. I had not communicated with PennCredit or represented my father to be my agent nor my attorney in the context of this debt. I believe this represents an aggressive and unfair debt collection practice. In the written notice I received from PennCredit, the company discloses that I have 30 days to address the debt. Yet within a week 's time, the company is contacting a third party by telephone to collect said debt. I am unsure if PennCredit has reached out to other third parties in an attempt to collect this debt from me.
Consumer complaint received 2022-02-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

In XX/XX/XXXX, I made my final mortgage payment of {$3000.00}. to XXXX c/o PHH XXXX for a refinancing that was effective XX/XX/XXXX with a Principal Balance of {$68000.00}. The Shared Appreciation Modification ( SAM ) Agreement requires that an addition shared amount be paid after the mortgage completion ( Maturation date XX/XX/XXXX ). When PHH sent the " Pay Off Quote '' response letter ( XX/XX/XXXX ), it was stated that the property was valuated using XXXX at {$120000.00} and that the unpaid Principal balance inflated beyond the original principal balance to {$76.00}, XXXX. According to the agreement an appraisal of the property would determine the final valuation. The company never asked me for Capital Improvements made to the property except once when I was asking for clarification of their payoff calculations. They then gave me a quote on XX/XX/XXXX with an expiration date of XX/XX/XXXX. They are also requesting mortgage payments for XXXX after returning my {$800.00} payment for insufficient payment. The representative stated they returned it because it didn't cover the payoff amount. Each month I receive a statement with a new amount of something ( late fees, etc ) that need to be paid. To date I paid the entire original mortgage, escrow fees, Pay off Quote fees, and Returned item fees non of which makes sense when they returned {$800.00} that would have covered all the additional fees. 

This refinancing began with Ocwen XXXX and changed hands at least 4 times. The information from the representatives is ambiguous and the payment request unreasonable.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IL)

I have audio recording of XXXX XXXX at XXXX CST from an agent of Discover.com stating i am not late, not delinquent on my credit card ending in XXXX and that no report of a 30 day or 60 day late will be reported to XXXX, XXXX or XXXX. However i was told that this will be reported by a differnet rep. The agent mentioned i am caught up with payments and i have nothing to worry about I had another agent said today was the cutoff for a payment XXXX before a report to credit bureaus by XXXX, only to have another rep tell me XXXX was the cutoff and i was 1 day late to that cutoff I was told i would get a call every 7 days once i am late on a payment but such calls never happened or took place. 

The reps have placed me on hold, transfered me and hung up on me all without my permission and refusing to listen to the audio of the other discover rep telling me i am on time and nothing late should ever be reported and/or will be ever reported. 

I mailed in the payment and it apprently was lost and never recieved, I did pay as soon as possible but only until i recieved a call did i check the account and found no payment applied. I am persuing the matter with USPS as well however the main issue here is the Discover rep gave me 100 % assurance i am caught up, on time and no late will ever be reported. 

Discover has not been willing to work with me whatsoever after an entire day or trying to reach them. They also said no managers are avialble and it will not be esclated. The agent said they can't legally do anything and handed out legal advice to me which is not something she is was in the position to do.
Consumer complaint received 2022-10-11
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4900.00}.
Consumer complaint received 2021-08-23
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2015-07-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I Went to open my account. The Teller add a persons in to my account as a join account I have been Fraud.The money missing from my account The account closed by others. Now what? RE : FTC Ref. No.XXXX wish to continue thanks
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

I was contacted by Fox collection center of tn. XXXX with Fox was very uncooperative, threatened to keep blemish on my credit report from a fraudulent charge. The company, XXXX Tn XXXX XXXX was contacted by me. I spoke with a XXXX in their billing department on XX/XX/22. He said this was a recurring error with many clients do to a software issue and that there is no record of me owing any money. I explained this to XXXX XXXX XXXX collections, XXXX. She was uncooperative and unwilling to stop collections or contacting me. This is a {$60.00} fraudulent charge!!!
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation (TN)

When I first got the car it was with a local car lot, and then they sold my account to US Auto Credit without my consent or knowledge. I started dealing with US Auto Credit and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.
Consumer complaint received 2021-06-13
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. (TN)

When I first got the car it was with a local car lot, and then they sold my account to XXXX XXXX XXXX without my consent or knowledge. I started dealing with XXXX XXXX XXXX and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.
Consumer complaint received 2022-10-10
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: Synovus Bank (NJ)

I checked my XXXX credit report through XXXX XXXX and found an " XXXX '' account. I am not a social security recipient ( XXXX or XXXX ) and have never been one. 

I also found a XXXX XXXX XXXX that I did not open or make charges on appearing on the report. 

Finally, I found a " XXXX XXXX XXXX '' account for {$1200.00}. This is not my account and these are not my charges.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with Care Credit through Synchrony Bank to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called Care Credit customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-05
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: Cascade CISS Holdings, LLC (MA)

Unauthorized Inquiries on my XXXX Reports : XXXX XXXX XX/XX/2022 XACTUS XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Unauthorized Inquiries on my XXXX Reports : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022 CREDIT PLUS ( Miscellaneous ) XX/XX/2022 XXXX
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MA)

The company SOUTHWEST CREDIT SYSTEMS, L.P never contacted me regarding the debt or gave a notice. 
They posted it to the credit agencies.Never received any communication from this company.The amount of XXXX dollars owed was settled with the creditor.
Consumer complaint received 2022-12-04
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-10
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-10-10
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. (CA)

I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX  credit XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX  B, and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX I received by us mail first notice of alleged debt and demand for payment. This notice attached herein did not provide information identifying the original creditors accounting of the claim. I attempted to contact Transworld Systems Inc. ( TSI ) and was not able to reach anyone. 

On XX/XX/XXXX I mailed a certified letter attached herein to Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX requesting they provide required information in order that I have an opportunity to investigate their claim. 

On or after XX/XX/XXXX I received a response attached herein from TSI providing an incomplete file copy of a lease agreement and accounting ledger. 

On XX/XX/XXXX I responded with a second letter attached herein citing XXXX CIVIL CODES, detailing my request for proper documentation and discrepancies with regard to previously provided information. 

On or after XX/XX/XXXX I received a letter from TSI denying my request for required information and no response to previously defined discrepancies.