davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (OH)

Accordance with the fair Credit Reporting Act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;
Consumer complaint received 2022-06-14
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. (MD)

I would like to state that credit bureau is in violation of 15 USC 1681B ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer never gave any credit bureau written contest to report anything on my consumer report. No consent is identity theft. These accounts are being illegally furnished on my consumer report.
Consumer complaint received 2020-01-30
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. (CO)

This complaint is regarding XXXX ( Utah XXXX XXXX XXXX XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, serviced my student loan from XX/XX/XXXXXXXX until I paid the loan off early in XXXX XXXX. I never paid them late. 

In early XXXX XXXXXX/XX/XXXXafter more than 30 days since I had paid off my student loan in full, XXXX was still reporting to XXXX, Equifax and XXXX  that is was an open trade line on my credit report, with a balance. I contacted XXXX on XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XXXX XXXX XXXX to dispute the account with XX/XX/XXXX, Equifax and XX/XX/XXXXeven providing them the copy of the letter from XXXX ( XXXX XXXX  ) stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the XXXX account status changed on both my Equifax and XX/XX/XXXXcredit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was 300 month revolving loan, that it was opened in XXXX, and most upsetting it shows there was a late payment of 60 days past due in XX/XX/XXXX. XXXX  and 90 days past due in XX/XX/XXXXXXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE XXXX TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; 1. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF. 
2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN XXXX. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXXXXXX  AND 90 DAYS XX/XX/XXXXXX/XX/2015. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH XX/XX/XXXXDID NOT EVEN SERVICE THIS LOAN UNTIL XXXX OF XXXX  WHEN THEN BOUGHT OUT XXXX XXXXXX/XX/XXXX. ( I HAVE ALSO CONFIRMED WITH XX/XX/XXXXTHAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE XXXX TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE XXXX FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD 2 LATE PAYMENT THAT DID NOT HAPPEN. 

I have contacted XXXX several times via telephone. each representative has told me they system shows it paid closed, at a XX/XX/XXXXbalance and no late payment were ever made. 

XX/XX/XXXX has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what XXXX is reporting. 

Equifax shows the same information as XX/XX/XXXXdoes, however XX/XX/XXXXdoes not. XX/XX/XXXX is showing correctly with not late payment for XXXX.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My CA XXXX prepaid Bank of America card was digitally hacked and all funds were drained, the total amount being {$1800.00} on XX/XX/XXXX. I filed a claim through the company on XX/XX/XXXX and on XX/XX/XXXX received a letter that the claim had been open. On XX/XX/XXXX I was issued a temporary credit for the full amount of {$1800.00}. 

I received a letter XX/XX/XXXX stating the claim was investigated, approved, and closed. The claim I filed had proven to be fraudulent activity. 

XX/XX/XXXX Bank of American made an adjustment debit to my account for {$1800.00}. 

On XX/XX/XXXX my XXXX deposit for {$270.00} was taken from me and put towards my new " debt '' of {$1800.00}. 

On XXXX took my XXXX deposit for {$540.00} was taken from me and put towards my new " debt '' of {$1800.00}. 

My current balance is - {$1000.00}. 

I have called the phone number for customer services and they direct me towards the claim department. The claim department has keep me on hold for hours each day and I have never gotten through to anyone to resolve this issue. 

Reading online, this appears to have become a common practice from Bank of Americas XXXX Pre Paid Card program, I am not expecting for any resolve in the near future and I will continue to have my unemployment benefits stolen by the company long after they declared my claim closed and reimbursed me for the fraudulent activity.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (OH)

I request to Take this company off my credit report I never authorize the company to put their information on my credit report I have already expressed that they take it off my credit.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I am writing this today in regards to SYNCB/Care credit Account # XXXX, I have reached out to the bureaus along with SYNCB/Care credit to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

ocwen loan servicing is attempting to foreclose on my home with assignments that are clearly robo signed by well known robo signers. The assignments are fraudulent that were used to transfer the mortgage. The have refused to modified or restructure my loan. I also sent a QWR, and a debt validation letter. I am yet to receive a response. I have asked that the sale for XX/XX/2018 be stop until my concerns were address
Consumer complaint received 2022-06-14
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. (CO)

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 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MD)

Ally Financial keeps badgering about my XX/XX/2021 payment for XXXX which I owe. 

I paid {$190.00} on XX/XX/2021 and I paid {$300.00} on XX/XX/2021 The Payment for XX/XX/XXXX was for XX/XX/2021, which Ally Financial is not applying to my account ; causing my account to appear as if I did not pay for XX/XX/2021. 

Altogether I paid : XXXX XXXX [ XXXX ] which is 2 months payment in XX/XX/2021 and now they are demanding {$130.00} more.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-14
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. (CO)

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 2021-11-23
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: BMW Financial Services NA, LLC (MT)

XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. XXXX year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my XXXX XXXX.
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WI)

Last year, my wife and I fell behind on our mortgage starting in XXXX. I was not working at the time, I was attending for that semester. I finally started back working full-time in XX/XX/XXXX last year. In XXXX, I attempted to make a payment with cardinal financial and was denied because the company had a claim against me for foreclosure. Mind you, I did make some payments between XXXX and XXXX. But interest kept piling up. I. Any effort to keep from foreclosing, my wife and I used money from our XXXX along with money her mother gave us to pay down the balance, which was XXXX dollars. We payed them XXXX of it and was told we'd receive a loan reinstatement package in the mail after our forbearance was up which was from XXXX this year to XXXX of this year. The company has not updated our payments nor sent this package for us to sign. And sometimes no one answers the phone when we call. Now that the forbearance is up, we can't make any payments because cardinal financial is still reviewing our loan status while waiting for a signed reinstatement package that they have not sent to my address as of yet. Mean while, our delinquent payments are still accumulating.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

their customer service would not help and take care of the negative inquiries reporting to my credit report. 


Below I Listed the inquiries that I desired to be deleted from my credit report. I never signed or agreed for them to view my credit report neither did I have a credit account with them.
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

LOAN MODIFICATION STARTED XX/XX/XXXX I HAVE BEEN CONTACTING PHH MORTGAGE FOR AT LEAST 3-4 YEARS FOLLOWING UP ON A LOAN MODIFICATION. MONEY HAS BEEN SPENT ON NOTARIES AND CERTIFIED OVERNIGHT MAIL.. STILL NO APPROVAL AND YET AGAIN PHH MORTGAGE IS ASKING ME TO START THE PROCESS ALL OVER AGAIN. THIS MORTGAGE COMPANY IS VERY UNPROFESSIONAL AS WELL AS THE STAFF WHO WORKS THERE. I HAVE EMAILED REQUESTED DOCUMENTS AND SPOKEN WITH NUMEROUS STAFF MEMBERS AND IT SEEMS LIKE EVERYONE HAS AMNESIA WHEN I ASK IF MY DOCUMENTS WERE RECEIVED. HERE I'AM IN XXXX STILL NO RESOLUTION. UNBEKNOWNST TO ME NO ONE HAS YET TO REACH OUT AND ASSURE ME OF MY ACCOUNT STATUS. HOWEVER, WHEN I DO RECEIVE A PHONE CALL, ITS ONLY TO INFORM ME OF MISSING DOCUMENTS AND/OR EXPIRED DOCUMENTS RECEIVED. AS OF XX/XX/XXXX I FINALLY RECEIVED AN ACCEPTANCE LETTER STATING MY LOAN MODIFICATION WAS APPROVED. PAYMENT WAS MADE ON XX/XX/XXXX, LATER I RECEIVED A DENIAL LETTER FOR MISSING DOCUMENTS. REASONS BEING MY MIDDLE INITIAL WAS NOT WRITTEN ON THE NOTARY DOCUMENTS ''REALLY '' PHH MORTGAGE SENT THEIR OWN NOTARY TO MY PLACE OF EMPLOYMENT TO CORRECT THE LEGAL NAME. UNKNOWINGLY, THERE WAS A DEADLINE FOR THE DOCUMENTS TO BE RETURNED BY THEIR ASSIGNED NOTARY AND I'M TO BE HELD ACCOUNTABLE FOR DEADLINE. AS OF TODAY XX/XX/XXXX, I RECEIVED A PHONE CALL FROM PHH MORTGAGE STATED MY LOAN MODIFICATION WAS NOT ACCEPTED AND I NEEDED TO START THE PROCESS ALL OVER AGAIN. AFTER MAKING 3 ON-TIME PAYMENTS I WAS TOLD BY A SUPERVISOR THAT SOMEONE WILL REVIEW MY ACCOUNT AND REACH OUT TO ME. I'M DEALING WITH STRESS & XXXX BECAUSE OF THIS PROCESS AND NO ONE IS TAKING THE INITIATIVE TO RESOLVE MY ISSUE ; YET EVEN READ THE NOTES IN THE SYSTEM BEFORE CALLING ME. I HAVE A RELATION 'S MANAGER BUT SOMEHOW MY DOCUMENTS ARE STRANGELY DISAPPEARING. THIS IS BY FAR THE WORST MORTGAGE COMPANY I HAD EVER EXPERIENCED.
Consumer complaint received 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (SC)

my complaint has to do with XXXX XXXX XXXX,  who collected on a debt owed to XXXX XXXX XXXX. I got in contact with midland credit in XX/XX/2018 to discuss this matter and arrange a settlement and set up payment plans. A XXXX   XXXX  account manager XXXX XXXX agreed to the terms and told me that once the settlement was paid the account it would go to a XXXX  balance and be taken off my credit report. on XX/XX/2018 I made the last payment of XXXX which was the agreed last payment on the account. XXXX XXXX has not keep their end of the deal and the account is not only still on my credit but, refuses to send me in writing that the account is paid. Ive spoke with the account manager XXXX XXXX on numerous occasions and called the compliance office at XXXX ext XXXX and talked to XXXX XXXX who also refused to send me in writing the account is a XXXX balance and that it would come off my credit report. The date of the last payment was XX/XX/2018 it is now XX/XX/2018 and the account is still on my three credit reports and being verified as accurate with a remaining balance that I do not owe.
Consumer complaint received 2018-12-09
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. (SC)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.
Consumer complaint received 2018-12-09
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. (SC)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! I contaced the company they said they never spoke nor heard from any credit reporting agencies. This lets me know that there was no proper investigation, it was electronic if anything at all, and they nothing was done on my behalf. Please remove this account, as you can see on my report i have no derogatory marks, i take my finances serious, and this alleged medical debt has ruined my credit, and put a delay on me closing on a home. Fix this issue please.
Consumer complaint received 2018-12-09
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. (FL)

I rented a car from XXXX rent a car on XX/XX/XXXX. XXXX took an initial authorization on the account for XXXX. I extended the rental and and they took another authorization on the card to cover the rest of the rental. The charge for the full amount of the rental of {$420.00} was posted on {$420.00}. There is still a authorization hold on my account for {$300.00}. I called Citi multiple times and was told the hold would be on the account for 30 days. I called XXXX credit card release who told me they sent the release on XX/XX/2018. She called over to Citi to get the authorization released. They told her there was nothing they can do. How can a company hold a pending charge for 30 days when XXXX told them they released the hold. This is unacceptable as a company policy. I spoke with supervisor XXXX from XXXX credit card release who called Citi directly with me on the line. She inquired on how to get this resolved and was told they had no process and just had to wait 30 days.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had this Chase Sapphire credit card for more than four years, I never had a late payment and I always was a good customer. 
Just recently received a letter from Chase that theyre closing my account and they dont provide any information why and when I contacted customer service they said they cant say the reason due privacy concerns, they can not share the information and just dont want to do the business anymore .Ive paid annual fee for this credit card every year and now they just want to close it without providing any reasons.
Consumer complaint received 2018-12-09
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. (CA)

I requested a copy of my credit report on XX/XX/XXXX and  discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.
Consumer complaint received 2018-12-09
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. (CA)

I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.