davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-05
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: Experian Information Solutions Inc. (AZ)

I have disputed several accounts with Experian over the last few months for inaccurate information. These 3 accounts are all showing wildly different dates of last activity among the 3 different Credit Reporting Agencies. After disputing the three accounts and having received the " results '' from Experian the " dates of status '' on my report did not change, which tells me they did NOT perform a proper investigation. The letter read that the following 3 accounts were " updated ''. They " updated '' the " balance reported '' date. How is this an update? 

I then requested proof and method of investigation from Experian and received a " will not reinvestigate '' letter. I have never been sent ANY verification of the date of last activity or date of first delinquency. The 2 XXXX  accounts look as though they are recent accounts on my credit report but are not. They are re-aged. How is this legal? I thought information on credit reports was supposed to be complete, accurate, and verifiable. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Thank you for your help in this matter.
Consumer complaint received 2018-11-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX to XX/XX/XXXX I attended Itt forced loan signatures and untruthful information of Amount of Loans. I never received a job with this degree it was no help to me, it actually hurt me with finances long term of my success path.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

PHH Mortgage via their representative are stating multiple different things while charging for insurance they've admitted to the CFPB isn't necessary, but lied about the date the policies were cancelled.

Attached is documentation showing that they've been supplied the insurance documents prior to the commencement of the TPP and failed to update the information in their system despite claiming to " review '' the matter. It took me personally uploading it on a third-party website, which evidence is attached, to show that I had insurance going back nearly a year ago - and have never been without insurance. In fact, as the information shows, they had MULTIPLE policies on my property. 

On XX/XX/XXXX they stated " The breakdown of the trial payment is Principal and Interest : {$2100.00} and Escrow : XXXX. The account will be escrowed for the taxes and insurance both even you pay your own taxes and insurance per investor guidelines. If you would like to send a copy of your homeowners insurance policy to us to ensure that we have the correct policy on file you can. If the trial plan is successful and a permanent modification is entered into, the foreclosure judgment will be vacated and the foreclosure dismissed. '' As they indicated - they are stating that the investor is requiring forced place insurance. 

They claimed they sent the policy to be updated - they did not. As the attached images show - it was in fact NOT cancelled and was active throughout the month and doesn't " cancel '' until XX/XX/2021. 

They also are violating my religious tax exemption. My XXXX, XXXX XXXX, reached an agreement with the Treasurer in XX/XX/2021, which is shown by release of tax liens and debt. 

All parties for PHH, including counsel, are acting in bad faith. PHH own website shows the payment listed as {$3100.00} - another different amount.
Consumer complaint received 2021-08-17
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. (TX)

Please note that I have made 2 attempts to resolve this issue. Equifax is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

This complaint relates to Suntrust Bank ( now Truist ), XXXX XXXX Bank ( correspondent bank for XXXX in the XXXX ) and XXXX. On XX/XX/XXXX I visited the XXXX XXXXFlorida office of SunTrust to initiate a wire transfer to XXXX XXXX XXXX XXXX XXXX in the XXXX in payment for a contract with a due date of XX/XX/XXXX. The wire was in the amount of {$12000.00}. The wire was not delivered in a timely manner and I subsequently contacted the company representative who processed the wire. He initiated a trace. My contract was now in jeopardy. Numerous emails later including to the Office of the Chairman ( which has not been responded to to this day! ) the company refunded my fees and contacted the recipient in the XXXX to confirm my having sent the funds. A referral to the supposed XXXX XXXX XXXX resulted in no action taken, I have been promised action that has not materialized, hung up on and ignored by every party at SunTrust with the exception of the gentleman who initiated the wire in XXXX XXXX. I had asked the funds to be returned to my account so that they could be sent though other channels which have subsequently proven to be much more effective and at significantly less cost. This never happened. 

THE FUNDS WERE FINALLY DELIVERED TO THE RECIPIENT ON XX/XX/XXXX! This is fully a month and a half after the wire was sent. I have yet to receive an explanation as to exactly why this occurred from any party. 

I can provide an extensive email string related to my attempts to resolve this matter with the company.
Consumer complaint received 2019-01-04
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: EQUIFAX, INC. (NY)

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX  respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I try to get my credit report from any of the three major ones and they each give me esoteric errors that give me no real information about what is wrong and why they can't give me my report. Sometimes they just loop back to the login and log me out. 

I tried contacting them but it was nothing but holding actions to avoid engaging with me at all. I need help because apparently I'm a credit ghost. I'm XXXX XXXX XXXX, never held major debt and want to build my credit and I basically don't exist! 

Please help me!
Consumer complaint received 2022-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (FL)

In early 2019, I submitted an application for a checking with TD Bank account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, XXXX XXXX XXXX, and to the bank. They have given me the runaround.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank continues to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act ), LAW : Pub. L. No. 111-24, 123 Stat. 1734, codified in relevant part to 15 U.S.C. 1601-1667f, 1681 et seq. and 1693 et seq. 

Comenity falsely tells consumers they have set-up a schedule for payment, but does not tell the consumer the schedule requires the consumer to log-in to the Comenity website, and manually transfer the money. This can be noted by Comenity 's transfers not showing ACH ( bank statement enclosed, no risk as this account is closed ).

The inaccuracy of Comenity 's wording regarding payments leads to an absorbent amount of late fees from consumers throughout the US, as captured in online reviews. Note : XXXX XXXX XXXX. 

Comenity also falsely reports, 'we report what occurred '. My claim specifically addresses the lack of clarity in setting up 'Scheduled Payments ', which was discussed with a Comenity Customer Service Supervisor in XXXX / XX/XX/XXXX, whereby the Supervisor confirmed the late payment would not be reflected on my credit. If calls are recorded, Comenity will have record of this call, which did in fact occur. 

Comenity did not practice fair consumer credit management, falsely confirmed in the set-up process on their website that the payment would be scheduled which is in fact not the case as a scheduled payment would not require manual transfer of monies.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I went to a few Car lots and they only said they were my credit once and they ended up running my credit numerous amount of time. State ended up affecting my credit negatively. I did not authorize numerous inquiries. Here are the inquiries that I did not authorize listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
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. (PA)

When my Best Buy credit card statement was received XX/XX/XXXX, the only charges on it were 4 that were not recognized by myself or my husband. I went to the 2 websites listed and had never seen them before. I called the 2 numbers listed and got the same recording on both, '' this number no longer active ''. I felt that someone had gotten my credit card number and was using it illegitimately. I called customer service and explained that I didn't know what these charges were for and could not reach the merchant. A fraud investigation was opened and the account closed and a new account opened. I destroyed the old cards and when the new cards were received we put them aside until the problem was settled. Since then I have called Best Buy 12 times and spoken to over 20 people in an attempt to get this resolved. It was changed to a billing dispute from a fraud investigation when the fraud investigator said it looked like a free trial that inadvertently enrolled me for continuing shipments. She asked if I had ever clicked on an e-mail for free samples. I said that i had clicked on an e-mail for samples from a company called XXXX several months before. I had difficulty getting out of the site, every time I clicked exit, I went to another screen. I think that finally I had to close the browser to get out. I never received an e-mail confirming the purchase and when the samples came there was no statement enclosed. The product was so unprofessional appearing that I never even tried it. There were no further mailings. She recommended changing it to a billing dispute. This was done on XX/XX/XXXX. It has now been 3 months and my bill has grown from {$140.00} to {$250.00}. Over the holidays I started getting XXXX phone calls, even though every time I have called and asked what to do about the bill, they tell me it will be corrected and not to pay it. My last contact XX/XX/XXXX again told that mistakes had been made in my account but that it would have to go to the actual investigators to be resolved and that couldn't happen at least until Monday. I was advised to wait a few more days and call back. I requested that the investigator call me back when it was settled. I decided to go ahead and file a complaint because I have heard that this is all going to be straightened out soon at least 3 times before.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitalone sent me an invite to determine if I was pre approved or not, Capitalone pre-approved me and told me I was eligible to use many credit cards. I applied to receive a line of credit and I was denied. The evidence is I was late to pay during the past to Capitalone but I did pay every debt owed to Capitalone. The evidence is I will pay any debt owed to Capitalone as I have paid every debt I owed during the past. My credit score was negatively effected. The government is actively lying about me and I suspect Capitalone is cooperative of corrupt investigators.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed Chapter XXXX Bankruptcy on XX/XX/2017. My XXXX hearing was XX/XX/2017 and my Bankruptcy was discharged XX/XX/2017. 
XXXX XXXX XXXX was one of the debts discharged in my Bankruptcy and while all of my discharged debts are reflected correctly on all three bureaus ( 0 balance and IIB ) Transunion is showing the discharged debt to XXXX XXXX XXXX as a 0 balance but as " Charged Off '' and NOT as " Included in Bankruptcy. '' XXXX  and XXXX both list the discharged debt as IIB. 
I'm hoping to be able to resolve this through your agency.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (FL)

Per the attached letter from XXXX Bank dated XX/XX/2022, payment of {$450.00} was made against account number ending XXXX XXXX. As of this writing, the payment has not been credited to my account. It is obvious that payments are intentionally processed slowly in order to gain additional interest revenue for the institution. Also, for the record, the other bank listed on the letter processed the payment within 2 days.
Consumer complaint received 2023-07-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
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. (TX)

In accordance with the fair credit reporting act convergent accounts -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX XXXX XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 2019-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (UT)

SEQUIUM ASSET SOLUTIONS has reported to the credit bureaus a debt due to identity theft. The police report REPORT NUMBER : XXXX XXXX  has been given to their original creditor twice and yet the reporting still exist on my credit reports.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2019-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (TX)

First credit services called me to inform me of the debt to XXXX XXXX XXXX, I agreed to pay the settlement fee of {$140.00} the day I tried to pay it I gave all my account info to the representative he then stated he had to redirect me to another representative and they said I would have to give them all of my account info all over again but with another representative I then explained to them that something wasnt right and I wanted something in writing validating the debt a letter, a bill, or a statement to show who they are the balance of the debt the settlement amount they never sent anything in writing a couple of other times they would call I explained I would take care of the debt as soon as I got something in the mail from them. Im not sure why I'm having such a hard time I believe I should have rights in obtaining something in writing from this collector
Consumer complaint received 2024-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I started receiving bills for a student loan that does not reflect a loan I applied for nor an amount that I owe. I have never had, nor received, any loans totaling over {$70000.00} .... 

I asked for proof and documentation that this loan is mine and that it be removed from my credit reporting immediately.
Consumer complaint received 2023-07-05
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX