davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VT)

Experian has a last name that does NOT belong to me ( My last name is XXXX ). They have an address that I do NOT live at. I am worried about identity theft and do not want an address on my credit report where I do not live. If credit offers or other correspondence is sent to that address, it could be used for identity fraud. I live at XXXX XXXX XXXX, XXXX XXXX, XXXX That is the ONLY address that should be on my credit report.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent a letter 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 I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I applied for the Home Assistance Fund Program and was approved for forward payments for 17 months. The payments started on XXXX. I am having issues with my mortgage company " Pennymac '' because they are applying the payments to my principal instead of my monthly payment and they are now refusing to do a reversal and apply the payments from XXXX to my Monthly Mortgage payment even though they are aware that it should go to the monthly payments. If they leave the money towards my principal, then I will still need to make my monthly payment and that defeats the purpose of me getting the assistance that I need since I am unable to make my monthly payments. 
They already have a copy of my award letter and are fully aware that I was approved for my monthly payments and are refusing to help. Thank you in advance.
Consumer complaint received 2022-08-29
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. (CA)

Regarding CFPB complaint # XXXX and # XXXX, as of today ( XX/XX/2022 ) TRANSUNION still has not provided the forms I have requested in order for them to adequately display they've followed the proper procedures for reinvestigation. 

Transunion has not provided my written and signed ( wet signature ) consent that states that I allowed them to share my information with nonaffiliated third parties. 

They have not provided any written instruction directing them to furnish ANY item on my consumer report whatsoever. 

Remove XXXX and XXXX XXXX accounts that were not properly investigated on and have never had permissible purpose or written instruction to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ). 

XXXX XXXX
Consumer complaint received 2022-08-29
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: ALLY FINANCIAL INC. (MA)

I am currently within a XXXX  XXXX plan. My loan with Ally Financial is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. Ally Financial has not been reporting my monthly payments to any of the three credit reporting bureaus XXXX XXXX XXXX, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (KS)

I have a collection account being reported from Central States Recovery for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means Central States Recovery is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me.
Consumer complaint received 2022-08-29
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. (TN)

Experian released my private information including my credit card bill to a 3rd party that had nothing to do with my file. Not only are they reporting inaccurate collection accounts to my file they have violated my rights over and over again. I have attached the response from the 3rd party showing my proof at address that was sent to Experian was sent to XXXX and it should not have been.
Consumer complaint received 2022-08-29
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. (NY)

On XX/XX/2022 I sent a letter 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 I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Ocwen ismay mortgage holder. They transferred all their clients to XXXX XXXX who does not accept my payments thru the system. I have until the XXXX to pay the mortgage but both ayatemaare not working. I have called all the numbers listed in their website and nothing. I need assistance in getting through them.
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent in a dispute for all of the 4 Charge off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (FL)

during the Pandemic, i got really sick, laid off and got behind at the end of my car note somehow they had me to sign a new contract. now a car that took five years to pay off added 5 more yaers and a whole XXXX i have already paid the XXXX, now the car is in the shop 5 years later i dont have the money to fix or pay another XXXX dollars
Consumer complaint received 2020-12-23
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. (CT)

On XX/XX/2020, my daughter XXXX ( XXXX ), lets me know she can't find the credit card she shares with me. She believes it's misplaced and we order a replacement from Citicard. 
After a tumultuous 2 months during which I lose both my parents to XXXX, on XX/XX/2020, I check my credit card statement and spot XXXX fraudulent transactions for a total of {$10000.00}. 
I immediately contact Citicard, cancel the card and order a new one. I am told to fax a copy of my statements, circling the fraudulent transactions. The fax is sent on XX/XX/2020. 
Without any news, in XXXX I re-contact the fraud department. It seems they have not received my first request to reverse the charges. Over the phone, we go over the fraudulent transactions. I am told they should be reversed within XXXX cycles. 
In late XXXX, Citicard informs me the investigation is closed and deems the transactions valid, because my daughter had the card in her possession. 
Over the phone I contest this point to no avail. 
The fact is my daughter was visiting XXXX, NY. She believes the card was stolen at a restaurant there, on XX/XX/XXXX. She never filed a police report because she didn't think, at the time, that it was stolen. 
The fact that I kept using the card while my daughter 's card was also used fraudulently is interpreted by Citicard as " we had the card ''. 
I explained at length that we didn't know my daughter 's card was stolen. To no avail. They refuse to hear my explanations. 
The pattern of fraudulent transactions clearly shows a very unusual pattern and could/should have been spotted by Citicard. 
At this time, Citicard refuses to listen to my explanations and keeps charging me interest on the fraudulent transactions. 
I have been a Citicard customer for XXXX years. It is the first time I have a similar issue with this company.
Consumer complaint received 2017-07-05
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. (AL)

RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 et  seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX Capital one sent me the following email " XXXX, Were closing your Savor account ending in XXXX because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Your account will be closed on or after XX/XX/2019. If you have a rewards balance at that time, it will be issued to you in the form of a check or a statement credit. '' The email stated that my account will be closed XX/XX/XXXX and that all my rewards up until that date will be credited to me. Capital one LIED in this email. My account was not closed on XX/XX/XXXX capital one decided to close my account XX/XX/XXXX so there email to me was a total LIE. Furthermore I had {$35.00} in completed cashback and {$130.00} in pending cashback on XX/XX/XXXX when Capital One decided to close my account 30 days before the date there email said they would be closing my account. I am owed {$170.00} in cashback rewards. Please send me my {$170.00} in cashback I am owed immediately ASAP or I will be taking this matter to the courts. 

Furthermore Capital one advertises this credit card as " Earn unlimited 4 % cash back on dining and entertainment '' but its not really unlimited. There advertising is false. If you purchase to many items in there " unlimited '' category they will close your account. This is false advertising.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NY)

I filed an identity theft report in reference for an XXXX XXXX XXXX XXXX XXXX credit account that was being illegally reported to the credit bureau without my expressed consent. Credit bureau removed it, then they reinserted it due to banks insistence that they do so unethically and illegally. The credit reporting company knows or should know the law relating to reporting such information with out proof of my consent. I have sent the credit reporting company a bill to settle this violation of my rights, If they do not pay me< I plan to sue them for at least 10 times the amount they have been billed for and of course they must remove the account from my consumer report.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (PA)

I called SENTRY CREDIT on my own accord in attempt to settle a debt owed. This account was opened XX/XX/2022 ( 5 months back from this complaint ). The telephone number that I reached in regard to this debt is XXXX. 

The attempt to settle this debt in the amount of {$3500.00} lump sum, had verbally been unapproved. My offer was a proactive decision made to come to a quick and reasonable resolution to clear the debt with SENTRY CREDIT. The lowest offer made by SENTRY CREDIT on XX/XX/2022 was in the amount of {$12000.00} which is 28.24 % more than the actual owed debt per court documents. I am declaring that SENTRY CREDIT has falsified documents and statement amounts and has posted an egregious amount totaled to be {$14000.00}. SENTRY CREDIT has also reported the debt as an individual responsibility when the debt should be a joint responsibility between me and one other party.
Consumer complaint received 2019-09-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (KY)

I am hoping to sell my home and buy a new one. I have a buyer, and we are both clear to close on our loans. However, the buyer of my home can not close on mine until her buyers close ( a long chain ). They are using Movement Mortgage. As of now, it has been over 80 days that the loan has been processing. Last week, we were told that they were clear to close. We then found out that the loan officer at Movement Mortgage was not honest with us, and that they were not clear. Since then, there has been little to no communication with anyone about why the loan is sitting there- not being declined or closing. We were told again that it would close today, but it hasn't happened. At this point, it is affecting my ( and everyone else in the chain ) ability to sell my home and close on my new home. The lack of communication is unacceptable and I have no idea what the next steps are if we can't get an answer one way or another from Movement Mortgage. I would just like a resolution to this problem.
Consumer complaint received 2023-07-25
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 (UT)

I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports are still showing inaccuracies.

15 U.S. Code 1681s2 the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (TX)

XX/XX/XXXX I opened an account with Binance.US they collected my personal data including SSN. I found they do not operate in state of Texas. I tried to delete my account but found no option to delete my account from web site https : //www.binance.us/en I contacted customer support to delete my account XX/XX/XXXX. 
support ticket # XXXX. Today XX/XX/XXXX account still not deleted. 

Company operates under XXXX ID : XXXX Problems with company : 1. Company do not respond to customer requests from web site 2. Company support chat takes hours to respond to the question " delete my account '' suggesting to create ticket ( which I already created ) 3. Company does not have customer support phone number available therefore no opportunity to contact it and delete customer sensitive personal account and data ( dob, address, phones, ssn ) -- - Financial companies with no support to request can cause harm to potential customers due to delays or inability to satisfy responses to customers requests could be causing significant financial losses and should not be allowed to operate in US.
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Trying to get the {$5000.00} XXXX forgiveness towards my student loans which will effectively eliminate my loan. I have filled out all required paperwork twice and they keep rejecting it for no reason given. I keep being told to resubmit. Plus they never tell me when it is reject ed.

This has cost me substantial money for a XXXX. There is already several class actions against XXXX XXXX for many reasons regarding these kinds of practices.
Consumer complaint received 2019-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (WA)

I already stated that I had full medical that should've covered the cost the time of the situation. They know when customers have full coverage on medical but did not do their job to process customer 's medical instead they want to charge and bill for something we shouldn't be billed for. This is ridiculous.
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Accounts : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX Account number XXXX * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2022-08-29
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. (IL)

In accordance with the fair credit reporting act TransUnion has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 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 any purpose.