davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

To whom it may concern : A certified mail debt validation letter for was delivered to MIDLAND FUNDING on XX/XX/21 ( see attachments ), mailed copies of my letter to all three bureaus once I knew they delivered. MIDLAND never responded, no other detail verifying the debt. They continue to contact me and send me statements ignoring my concerns. XXXX investigated the debt to be inaccurate and deleted MIDLAND FUNDING. XXXX and XXXX updated my credit report leaving behind a total amount as the monthly amount owed. How is that possible? I have not seen or received any validation of this debt.
Consumer complaint received 2021-10-29
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)

A prepaid card was opened in my name, and my identity was stolen, XXXX XXXX open a prepaid credit card account when I was in prison, I DID NOT OPEN THIS CARD ACCOUNT. I had a active credit freeze in place at time this account was opened in my name. I have filed a police report and filed Numerus disputes with experian, with no results. XXXX has removed this item from my report. XXXX Equafax & XXXX XXXX HAS REFUSED TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2019-07-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

This company is practicing UNFAIR LENDING practices AGAIN and not cooperating with information. Ocwen/PHH Mortgage company FORCED us into bankruptcy yrs ago because they REFUSED to accept any late payment. They have continually gone up on house pmt, escrow, Despite us getting our taxes ( appraisal ) lowered. NOW, they are REFUSING to talk with us about our mortage and the discrepancies in the NEW HIGHER pmt, unapplied pmts, and monies is Hold acct. They told us they can't even SPEAK with us without attorney permission Suddenly. This bankruptcy is several years old. They will not say Why the change, if it is Law, etc. Mortgage company will not give us any telephone number, email or contact information. We called the attorney and they were outraged also. 

Loan is under XXXX XXXX XXXX XXXX Account : XXXX My payment was XXXX It is now XXXX and they are saying it just went up AGAIN, even though we are at the top of arm, taxes were lowered and insurance stayed the same. OCWEN/PHH IS A THIEF, everyone knows it. All the lawsuits prove it. And them flat refusing to have a conversation Now even though we are paying on the account and even though it has been in bankruptcy for years is just another stalling tactic. INVESTIGATE
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Hi, My forbearance ended on XX/XX/2021. 
I have contacted my mortgage company, Mr. Cooper for the last month or so. 
They have stated that the amount do is close to {$30000.00}. 
I do not have that kind of money. All I want to do is work out a reasonable repayment plan. 
I have contacted Mr. Cooper multiple times and they said it is Fannie Mae regulations. 
I tried to be proactive before I got behind. 
It has been the perfect storm, the pandemic, I had a XXXX  XXXX XXXX and have applied for Social Security XXXX and it takes for ever. 
We are desperate, we want to keep our home. 
Please anything you can do to help us is greatly appreciated. 
Thank You
Consumer complaint received 2019-07-30
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. (OR)

I filed a dispute for an erroneous charge from XXXX for {$320.00} on XX/XX/2019. After following up with Citi, the deadline for contesting XXXX 's response to my dispute. I called on XX/XX/XXXX and a Citi representative indicated that I could have an extension on the deadline of XX/XX/XXXX for supplying supporting documentation. I called on XX/XX/XXXX to follow up, and was told that my documentation had been received too late and that no extension could have been granted since the federal government regulates the dispute process. 

For this reason, I contacted XXXX directly and was issued a refund. The refund was issued to and received by Citi on XX/XX/XXXX. I was informed by Citi that the refund would be processed in 7-10 business days. After this time passed, I followed up and was told something was wrong and the refund would be processed in 7-10 business days. On XX/XX/XXXX, I called Citi again and was told that the refund would be posted in 2-3 business days. On XX/XX/XXXX, I called to follow up and was told that an exception had been approved on XX/XX/XXXX, but that my refund would not be posted for 7-10 business days. I do not believe that my refund will post ever after being continually delayed by Citi Bank.
Consumer complaint received 2022-12-03
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. (TX)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

I am attempting to secure a mortgage after the fraudulent foreclosure in the XXXX XXXX Georgia records.I need the Litton Loan mortgage transfer documents from Ocwen/PHH and XXXX have failed to provide those documents on numerous occasions. I need the notice from Litton regarding the new servicer Ocwen and effective date. I need a copy of the letter Ocwen sent our regarding their servicing of my mortgage loan from Litton, to include the amount of loan balance and contractual obligations.
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (MA)

Disclaimer : I am submitting this complaint on my own and without the help of a third party company. 

As Equifax is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... Equifax has done the contrary. 
- 12 CFR 1016.3 & 4- Equifax has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - Equifax has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to Equifax 's privacy and compliance officer.
Consumer complaint received 2021-10-29
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. (TX)

Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or had No attempts to contact me even made. This is not right!
Consumer complaint received 2019-07-31
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. (NV)

It says that I have a late payment on my account XX/XX/2019. This account was not late and I would like the remark removed.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

I tried freezing my credit report with EXPERIAN today due to the XXXX XXXX hack. I tried online and via phone with all required personal information. Both online and on the phone, EXPERIAN will NOT ALLOW THE CREDIT FREEZE. Experian directed me to mail in all of the required personal information along with a utility bill to freeze my credit report. On top of this, it would take 10 days for this freeze to go into effect after they receive my letter. THIS IS RIDICULOUS! I was able to freeze my credit report on the XXXX  website in less than 5 minutes! 
EXPERIANs cumbersome process seems inefficient at the least. This is a nightmare for  consumers!
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

I had medical debt that was sold to the debt collector, XXXX XXXX XXXX  in Oregon. Original amount was $ XXXX. I was never notified of any intent to sue. In XXXX, I was informed there would be a garnishment of my wages and provided a paper that stated they had received a judgement against me back in XXXX. I was NEVER notified of this intent to sue or the outcome of the judgement. I lived at the same residence from XXXX until XXXX so there is no excuse for this. Additionally, when I called them to ask- they stated they served my Husband on behalf of me- in XX/XX/XXXX. This also did not happen. When pressed further on a specific date and location of when they served him- the call suddenly became dead air and I waited on the line for a while before ultimately disconnecting the call. This judgement was almost double the amount originally owed. 

Recently I had to pay off the full amount for a loan purpose- and they did not inform my employer that they had collected the full amount until after I had been garnished again and overpaid by almost {$500.00}. I had to call and insist they email my payroll to correct this. During this time I was also informed that they had been charging a 9 % interest rate which ultimately resulted in paying nearly {$1000.00} more than the original judgement.
Consumer complaint received 2022-02-26
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. (CA)

In accordance with the Fair Credit Reporting act JPMCB CARD 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 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Yesterday ( XX/XX/19 ) I filed for a {$170.00} Equifax settlement. I now hear on the news that it was a fraud. I supplied them with all my personal information,
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me. I have asked them to provide me with the documents with the original signatures proving the accounts belong to me and they have not sent them to me.
Consumer complaint received 2022-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

XX/XX/21 I dispute items on my credit report that doesnt belong to me. I submitted it to each credit bureau asking them for more information on the alleged accounts. No information has been sent. I sent out another letter to follow up to this day I have no information on how these got on my credit report or how they would delete them.As a consumer I dispute these things and Im due a response within 30 days its been well over 45 days with yet no response.
Consumer complaint received 2021-07-25
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. (NJ)

Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (MA)

I co-signed for three loans for my niece While she attended XXXX college and XXXX college. At the time of co-signing all loans was told release as soon as she has job. I was lied to in person at XXXX college and prior to our house being destroyed I had documentation of Citibank document from XXXX College. About two year co-signer release. I sent this to ceo at Citibank and executive office still denied release on XXXX and XXXX XXXX. I also sent complaint to him about misapplied payments or not applied and sent proof and it took years to fix my credit report. Only blemish was from Citibank!!! Loans taken out XXXX. We have had consistent problems with payments not being properly applied and took many letters to get my and her credit report corrected. However prior to without my knowledge they allowed her to change payments on loans and she was told it would not affect loan total or interest. They just could reduce payments. It did. I called. No one cared. She also tried to get me released from loan. We Followed Citibank process and Citibank continued to deny after repaying loans for at least six years and she had great job. XXXX and Now today Citibank split up servicing of 3 loans XXXX XXXX has one loan go on site and only will give three statements and discover has two. XXXX loan started XXXX. Now 3,500 ish. XXXX taken same time started XXXX. Today Balance after over a hundred payments and I know for years the amount was at least {$170.00} equaling payments {$15000.00} on their systems. And No late payments and some extra payments. But I cant verify this because audit trails not on site. I have asked for audit trail of 112 payments applied. If I pay based on XXXX terms for total of 240 payments it will be {$45000.00}. Not the note I agreed too. How is it feasible both loans taken for ten years from Citibank. XXXX now changed to 20 I signed promissory note with Citibank and Citi bank altered. However Citibank allowed borrower to change terms without co-signer knowledge and they called her to offer this great deal. and she agreed based on incorrect information. To date I have not been contacted by Citibank about co-signer release denial s and ruling XXXX or anything else. Student loan low interest is not so low. And this needs to be looked into Citibank even has XXXX charging over a 100.00 every month for interest absolutely crazy
Consumer complaint received 2022-10-09
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. (AZ)

These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.
Consumer complaint received 2022-02-26
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: EQUIFAX, INC. (FL)

This complaint is being made by the consumer XXXX XXXXXXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, Equifax, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have had an account with kohls charge card for about 7 years. I have always paid on time and never been late and have perfect credit! This company stated I made a late payment in XXXX, I have called this company several times to dispute this as well as XXXX, I have mailed XXXX letters and their customer service explained all my payments were received and even though I pay them in advance they were applied to the wrong statement months.
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, XXXX, and Transunion each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (GA)

I have sent a verification letters of some medical bills on XX/XX/2021 ( it's been over 90days ) and i did not get a response from Equifax, XXXX or XXXX. Also i sent another letter XX/XX/2021 ( it's been over 30 days ) to request a reply and i am being ignored again and again. I have not received any communication regarding this debt from these company, or a courtesy of replying to my letters and it is very frustrating. 
Section 611 ( a ) clearly states that failure to investigate these items within 30 days results in an automatic deletion from my credit report. 
Their negligence has caused me distress and is hampering my ability to obtain a house.
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

Ive had this car since XXXX of 2016 and they told me only XXXX dollars came off the loan Ive complained to them many times about the loan and Ive complained that they are collecting on a car that has factory defects to the car is a lemon reported by XXXX  and they charged me to much for the car and they are not applying my money to the principal and they are charging me interest everyday Im late even before the ten day grace period starts Ive told them the car has been in the shop over 15 times and it s still in there for the same thing from two years ago