davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I have been behind my mortgage. I always pay prior to the 90th day past due. 
I paid my full payment to Ocwen financial on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. I sent these payments XXXX XXXX and have a receipt for the payments. 
I received a note in the mail from Ocwen stating that they had not received a payment from me since the XXXX XXXX, 2016 payment and that I am now over 120 days past due. They show that my other payments are in a " suspense '' account and did not apply them to the loan. When I spoke to them they said it had something to do with a loan modification ; however, I never agreed to, asked for, or signed anything regarding a loan modification. The lady I spoke with is part of an escalation department and could not answer my questions or apply the payments that they are holding in suspense. Should did verify that they had over XXXX dollars in this suspense fund. The normal monthly payment is XXXX dollars. I feel that they are trying to force me into foreclosure. I need help.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (WA)

.I tried getting these removed several times. I have a few fraudulent inquiries on my credit report. I never gave permission for the companies to pull my credit and have been unable to get the beru to dispute these fraudulent inquiries. I am requesting The Credit Reporting agency to delete the following fraudulent XX/XX/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 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act 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. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I was involved in a motor vehicle accident in XX/XX/2019. 
It required a lengthy hospital stay and XXXX operations. 
When I was able, I notified all of my creditors of my situation and promised to address any outstanding bills as soon as I was able. 

I paid my account in full with Synchrony Bank. I asked that the account be closed and I also noted that by accepting payment for this account, they would delete any negative credit reporting associated with my account. 

They cashed my check then followed up with a letter stating that they would not delete any credit information on my account. 

By cashing and accepting my payment and the terms associated with payment, they have breached an agreement.
Consumer complaint received 2023-01-04
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. (FL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX Florida XXXX and Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-05-03
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. (TX)

On XXXX XXXX, 2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should 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 breach and may have got into the hands of the wrong person.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-05-03
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. (NE)

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX  XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$13000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. All collection accounts listed above should be deleted immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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. (NE)

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$13000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Opened a HELOC in XX/XX/XXXX with an initial draw with a fixed rate of 5.49 % over 5 years for {$40000.00}. A month later i took an additional {$20000.00} ( non-amortizing ) under a 6-month promo rate of 4.49 % that reverted to 7.25 % on XX/XX/XXXX. On XX/XX/XXXX I attempted to make a payment of {$20000.00} to pay down the {$20000.00} draw that had a higher rate, however by default the payment is applied to the oldest draw, not the draw with the highest interest rate. I believe this would fall under the Card Act ( pursuant to Reg Z ) which requires institutions to apply payments to the highest interest rate segment of a credit extension. 

I spoke with the bank and customer service said they were unable to apply the payment in this manner. My personal banker spoke with a rep from XXXX XXXX who can apply it manually however I fear this is a systemic issue that is leading to undue interest income for the institution at the expense of less-informed borrowers. Standard practice should be to apply payments to the draw with the highest interest rate first ( one monthly P & I has been satisfied ). I also wonder if this would additionally fall under UDAAP.
Consumer complaint received 2023-01-04
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has all 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record conviction of crimes which antedates report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) : States A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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. (TN)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NC)

I noticed an account has been opened without my consent. Truist does not have an email listed online. I did not open an account with BBT or Truist. I received a text from them about logging in. See screenshots attached of text.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

I called XXXX XXXX XXXX on XX/XX/XXXX to pay off my credit card debt. Late fees had previously been accrued. I spoke to XXXX and reached a settlement payment of {$210.00}, which was my grand total to pay off the debt after late fees has been removed. I paid the {$210.00} with XXXX over the phone with my debit card. Months later, I started receiving calls, texts, and voicemails on a daily basis requesting that I pay my debt. My credit card was closed, so there was no possible way that I could accumulate any more debt. I answered a call from XXXX late XX/XX/XXXX to give them a friend reminder that the debt had been paid off in full last year, to which the representative acknowledged my payment of {$210.00}, said that I had a balance of around {$70.00} which had now reached $ XXXX due to late fees. Again, I said that XXXX and I reached a settlement payment of {$210.00} after late fees being removed. The representative requested that I be put on hold so that she can speak to a supervisor. 10-15 seconds later, she hung up on me.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX account number ; XXXX, XX/XX/XXXX, {$450.00}, {$260.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$23000.00} XXXX XXXX ; XXXX, XXXX, XXXX, no verified date ; {$2600.00}, {$4000.00}, XXXX ; XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX, no verified date, {$9400.00} XXXX ; XXXX, no verified date, {$58000.00}. 

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

15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. 

XXXX, XXXX, and Experian are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Consumer complaint received 2022-05-03
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)

FRCA Violation credit line XXXX XXXX XXXXXXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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. (NE)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, XXXX {$13000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I contacted Midland funding because of a debt that i saw on my credit report and they claimed that it is from XXXX and i informed them of the fact that i have never had an account with this merchant in my life and i demanded proof of debt or for them to remove from my credit if they could not find it. i also mentioned that i was prepared to take legal action they they did not reply or fix this error and they replied saying that they needed my lawyer contact information and they will speak to them. after that i sent out another letter to them explaining that my lawyer is not the issue and that they are the issue and that they have now violated my right and they have not provied proof but but they continue to report false debt on my credit and i demanded that they fix it immediately or provide my with proof of this report. it has been almost 2 months and they have not replied to my last letter or have they removed this false report from my credit. i sent them a return receipt enveloped and i track the package and it was delivered to them since XXXX XXXX they continue to ignore me and have not responded or removed this false report from my credit