davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (CA)

On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (SC)

This letter is a formal complaint against XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my XXXX account. They used my XXXX account to make several payments. I reported this to XXXX as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the XXXX account balance was - {$310.00}. XXXX knew this was due to the fraud, but the amount got transferred to a debt collection agency : American Coradius International ( ACI ) LLC ( XXXX ). ACI has sent me a collection notice and a bill for {$310.00} despite the fact that XXXX has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2020-07-27
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-05-02
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: Onity Group Inc. (CA)

I had a mortgage with Ocwen Loan which was closed 10 years ago in XX/XX/XXXX. XX/XX/XXXX... 

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXX until XX/XX/XXXX. 

This is incorrect as the mortgage was closed in XXXX. 

When I called Ocwen to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses. 

This account should not be appearing on my credit reports. 

The last date of Activity on my account with Ocwen was in XXXX.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA is a discriminating prejudice dishonest and XXXX bank. They'll deny you a good credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They'll put you in a high apr credit card with a low limit credit card to hurt your score. I had XXXX score and they denied me cards with lower APRs. You'll be stuck with no way of improving your score even when you're eligible for other cards. There's no other reason they'd do that if you have a good score, good income, and generally well off financially. There's a reason why people of XXXX have poor credit scores. YOU'RE DETERMINED A RISK TO THEM BECAUSE YOU'RE A MINORITY. you'll pay higher rates for everything including on cars as I was shopping for a new one. Beware of this bank. Where you bank can make a big difference for XXXX justice. BofA lost my trust and I'm ready to challenge them against denying me credit cards.
Consumer complaint received 2018-05-02
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. (TX)

I have been disputing things diligently with Equifax over and over. 
I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs. 
They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now Equifax have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way. 
These accounts in question are : XXXX XXXX XXXX ( formerly XXXX XXXX ) -- --  that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing. 

XXXX  ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX and reinserted under a different name to Equifax . 

XXXX XXXXXXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain. 

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone. 
My last phone call with Equifax lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts. 
THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (NY)

I sold my bitcoins on my cash app and I deposited it into my Sofi account using instant debit card deposit. I was using my funds here and there, and did not commit any actions that would violate Sofi policy. All of a sudden one day I see I am not able to use my debit card. After about 6-7 months after I opened my Sofi account. I asked them what happened but I am not provided a reason or explanation. They have frozen my funds about {$6700.00} or more.
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (GA)

Ability Recovery Services LLC at XXXX box XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as a past due balance. I am not aware of this company and I have never done business with this company. This company does not have a contract with my signature. When I requested validation of this debt, they provided me with an erroneous document that showed a balance owed of {$3100.00} which is completely different from the balance they are stating is past due ( {$3800.00} ).
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX  advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The credit bureaus reporting inaccurate information on my credit file while not verifying these accounts. 
XX/XX/2022 I sent the company Experian a request letter. My terms was to verify the accounts or remove them. Im addition, please remove all non accounts holding inquiries over 30 days old. Also, please add a suppression to my credit file. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove them. Also on ( XX/XX/2022 ) I wrote Experian a demand to comply letter. Which states Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely,
Consumer complaint received 2022-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with Experian, and XXXX over 30 days ago and they have failed to remove thesein accuracies. 

XXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times XXXXXXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times
Consumer complaint received 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Fundo LLC (PA)

I took a {$700.00} loan out in XXXX XXXX.I have been making payments to catch up my loan I had issues with my car and also the weather in my area made it hard to repay for awhile I have explained this to the company. I have made payments in the amount of $ XXXX.I asked how much more I had to pay and on XX/XX/XXXX I was told I still owe {$2800.00} making the total repayment amount of {$4400.00} which is more then 6 times the loan amount. When I asked if anything could be done with the fees they told me {$700.00} could be waived if payments kept up. I call them every week to make the payments. The original term was 30 payments at XXXX. I have made 16 payments so far. So right away the repayment amount was over 4 times what was borrowed.
Consumer complaint received 2022-06-16
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. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-16
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. (TX)

I recently reviewed my credit report with XXXX and Trans Union and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX and Trans Union over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but XXXX n Transunion have not XXXX XXXX XXXX Acct # XXXX Showing as closed but has not been removed TransUnion XXXX XXXX Acct # XXXX Showing as paid but has not been removed
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NH)

I have {$3000.00} in loans that are currently being serviced by XXXX XXXX. The company is absolutely atrocious in terms of accepting payments and access to payment options. The company website breaks any time I have a loan payment due. Two months in a row now I have tried making payments through their website within 3 days of the actual due date. However, when I reached this three day window, the website will no longer allow me to log in. It says that my " credentials are invalid '', even though they worked before. In addition, the website will not allow me to reset either the password or username so I can obtain access. When I am able to get access, the website system will reject payments that I try and make through it. I'll receive a notice on the page saying " payment accepted '', but then the website will error out and log me off. When I log back in ( again, dealing with aforementioned issues ), all of the progress I made is erased and the payment never went through. When I tried linking a payment account to avoid their outrageous and unfair fees ( {$12.00} interest on a {$50.00} loan payment, plus 3.95 % and a flat {$1.00} fee ), the website refuses to accept the inputed account information. It will not automatically make payments as it says it will. Finally, whenever I call or try to use the live chat during business hours, I never get a response. Last month I was bounced around a phone system and on hold for over an hour and thirty minutes, just to be disconnected once I reach a human call center agent. All I want to due it pay my student loans without the threat of late fees, etc., from a company that refuses to accept my money.
Consumer complaint received 2022-06-16
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. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

I have an escrow account for payment of my property taxes and homeowners insurance. My payments have been made timely and there is more than enough in the account to cover the disbursements needed. Property taxes were due XXXX. 

On XX/XX/XXXX I noticed that my property taxes had no been paid ... contacted via email and servicer confirmed they did not need any additional information and they would be paid by XXXX XX/XX/XXXX noticed funds still not dispersed from account so called servicer who confirmed no payments were made and no pending payments existed, asked me to send a copy of my tax bill to their email address and they would pay within 10 business days. 
XX/XX/XXXX - still no payment so called again ... was advised that it was marked to be completed that day XX/XX/XXXX - still no payment so called again and was told they would escalate the case XX/XX/XXXX - called again as there is still no payment made. Advised it is marked to be processed by end of month. 

Have been assured numerous time that it is being paid by x date and each time that date passes with no payment. I am not waiting any longer without filing a complaint as charges are accruing on a daily basis and liens are placed after 90 days.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (WI)

The company called a relatives personal cell number regarding this debt. They already have my contact information yet got the contact information of people unrelated to this debt and have called repeatedly, dates as follows : XX/XX/XXXX XXXX cst This call was made from representative XXXX XXXX, phone number XXXX for Williams & fudge inc to phone number XXXX XX/XX/XXXX from phone number XXXX, left voicemail XXXX XXXX cst from number XXXX, left voicemail
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My mortgage payments have been made and processed, yet the servicing company repeatedly changed and " loses '' the payment and attempts to recollect with late fees. I must repeatedly go through extraordinary efforts to prove that payment was made and received in order for the fees to be reversed. This has happened on 3 separate occasions in less than 2 years. 

I believe that this is an attempt to scam money from mortgage holders who may have difficulty providing proof of payment promptly.
Consumer complaint received 2022-06-16
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. (VA)

XXXX XXXX XXXX XXXX XXXX  # XXXX Experian, XXXX XXXX XXXX XXXX in violation under Consumer Credit Reporting act 15 U.S.C 1681 section 602 A. States I have a right of privacy 15 U.S.C 1681 Section 604 2 it all states a consumer reporting agency can not furnish a account without my written instruction this is th 3rd attempt I disputed please honor my right, and remove this from my credit file
Consumer complaint received 2022-06-16
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. (CT)

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
Consumer complaint received 2022-07-22
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU XXXX ....