davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I have called Diversified Consultants to dispute the debt but they refuse to speak with me. They send me around to various employees and are making no effort to resolve issue. I do not owe this debt and they and other collectors have called me for the past 3 to 4 years on this debt. They claim it was a debt incurred in XXXX, CA at a time I was still stationed at XXXX XXXX, Oklahoma.
Consumer complaint received 2019-03-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am having extreme difficulty with OCWEN Loan Servicing. They have continually given me false information or no information. This whole scenario started with an award from XXXX XXXX XXXX XXXX An amount of XXXX was sent to OCWEN in XX/XX/XXXX and they applied all but XXXX months payment to the principal in XX/XX/XXXX. Then in XXXX they sent it back to the XXXX and put my account in arrears, default and obliterated my credit report. After spending most of the rest of XXXX on the phone with them they finally got the funds back from the State, applied the whole amount this time toward the principal, corrected my credit reports, and removed the default fee. When I looked at my account it was correct as of the XXXX statement. However, now they seem to be playing around with the funds again as some XXXX is unaccounted for in the principal and the payments have gone up from what I thought we had agreed upon as of a conversation with their escalation manager XXXX on XX/XX/XXXX. To make matters worse they have created no less than XXXX different 1098 forms, each with a different amount of interest paid in XXXX. The first one shows an interest amount paid of XXXX. The second one shows an interest amount paid of XXXX. The third one shows an interest amount paid of XXXX, which is the closest to the reality. ( See actual payments below ). The fourth one shows an interest amount paid of XXXX. I have been trying to talk to someone in escalation to get some answers but am having no luck. Every time I get a rep they either dont know or tell me they will let escalation know. Im worried that they are manipulating funds to benefit themselves and I dont even know what all they can get away with here. Im even concerned about what the 1098s are telling the IRS. And finally, they have made so many entries on the payment history it looks like a Byzantine nightmare. Please help. 

Actual Payments for XXXX from bank records : XXXX XXXX XXXX XXXX XXXX XXXX Apr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : XXXX was originally paid out of the XXXX funds when received the first time. XXXX, XXXX, & XXXX payments were increased by me to start reducing principal. Ocwen later used they funds to apply to interest when XXXX funds were received from the State the XXXX time. So XXXX interest only was XXXX and I added XXXX meant to reduce principal. XXXX was XXXX and I added XXXX. And XXXX was XXXX and I added XXXX. As confusing as this is I think what I state below is what should be and matches the XXXX statement and what was also on the payment page on XX/XX/XXXX when I talked to XXXX from escalation. XXXX days later they began playing with the amounts again. Now the payment page is off by some XXXX with regard to principal balance and payment is has been kicked up to XXXX when it should be XXXX as per the XXXX statement page.
Consumer complaint received 2019-03-25
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: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I just checked my credit report to see that 01 CASH CENTRAL is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.
Consumer complaint received 2021-10-22
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-03-25
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. (CA)

I have sent several letter to Equifax in regards to a dispute and the law of verifying by sending me physical verification of the original signed consumer contract on the listed items in the letter to Equifax and they continue to send back letters to me without doing a real investigation and adhering to the law in accordance to the fair Credit reporting act Section 609 ( a ) ( 1 ) ( A ) that requires by federal law to verify. and to send me Verifiable proof which is my right and the law.

the letter they continue to send ( attached ) shows that they are not doing an investigation and following the law. I have given them more that 30days to send me proof and to and investigation.
Consumer complaint received 2021-10-22
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. (LA)

On XX/XX/2021, 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 2020-11-06
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-06-15
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. (MO)

In accordance with the Fair Credit Reporting Act the accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency
Consumer complaint received 2021-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (NY)

Upon checking my credit report. I saw a erroneous collection for {$67.00} dollars. 
This erroneous collection account was from a collection agency name Torres collection.

I have no knowledge of such a amount being owed for {$67.00} dollars. This collection that appears on my credit report is fraudulent and is in error.

I want it removed.

It appears on my account every month..and no mail from the alleged debt was ever received.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Been trying to open bank accounts and kept getting turned down was because of reports on checksystem so I contacted checksystem and said someone has opened accounts in my name and different ssi number and told me to contact you to get help
Consumer complaint received 2019-03-25
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: JPMORGAN CHASE & CO. (MI)

I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Mortgage is holding my escrow money hostage! I closed on the sale of my condo XX/XX/22. They said they sent the first check on XX/XX/22 to my old address ( the one I sold ). I should have gotten it before I moved. Then, I called on XX/XX/22 and they reissued a new one to my new address on the XX/XX/22 and I havent received it. Neither check has ever arrived. I have, however, received information on the close of my loan that was forwarded from the old address, so forwarding is working. I called again today XX/XX/22. They tell me that they cant ACH. They cant XXXX. Every time a check is issued, I have to wait 30 days after the issue date to void and reissue. Then, I have to wait up to 9 business days for the reissue and then it gets mailed via USPS again. It is an endless loop of the same process. It has been XXXX days since I closed my loan. This is dangerously fraudulent. It appears as if they are using people 's escrow money to manage their cash flow.
Consumer complaint received 2018-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Jim Bottin Enterprises, Inc (PA)

On XX/XX/XXXX a scheduled withdraw by XXXX XXXX  was scheduled to pay my monthly gym fee {$19.00}. I forgot that the yearly fee was due. I had {$45.00} dollars in the account. The total fee {$58.00}. Of course it bounced. The bank took {$30.00} in overdraft fee. Now there is {$15.00}. The bank sent a notice by mail, did not get it till Sat XX/XX/XXXX. By then XXXX tries again to withdraw the funds. Bank fee # 2. Monday XX/XX/23 I called my Gym and XXXX. XXXX had set another withdraw for XX/XX/XXXX. By the time I called it was done. Bank fee # 3. I had automatic withdraws stopped. I called tues It did not look liked my email had gone thru. I complained that I had not even been notified by XXXX. I confirmed stopped withdraws. NOT 2 minutes after I had hung up the phone. I get a Notice by email of insufficiant funds from XXXX. I called Wed. I spoke with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX. I requested they pay the 2 extra insufficant fees from the bank. I take responsibility for not having the proper amount in my account. I forgot. Why did XXXX not notify the gym or myself. They would have just gone on trying to take money without notifying anyone. 
They tell me notifications are a courtesy. I say it poor business practice if that is your policy. They denied my request.
Consumer complaint received 2022-02-02
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. (TX)

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses
Consumer complaint received 2018-04-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (WA)

Ive been trying to make on-time payments every month, but unfortunately American Education Services does not give me any options to lower payments or to lower my interest rates. I have asked time and time again for help but they give me vague responses and no help to deal with this problem. I want to pay and eventually free myself of student loan debt but my interest rates keep changing and going higher. I feel I will never be able to reach my goals of paying everything off. Im afraid if they go too high with my interest that I wont be able to make payments. My monthly bill is {$720.00} a month, now it could be at {$730.00}! When does this end? When will there be assistantance to people who want to do the right thing? Am I being scammed for my money? What can I do to pay the principal down? I havent had any answers or help for almost 10 years! I dont want my entire life to be about paying a company who wont work with me to pay them off. Im growing emotionally tired every day from the frustration and helplessness. Someone please tell me what to do? I cant even refinance this loan. My credit is just not strong enough. I was once instructed on the phone that if i wanted a lower payment I would first have to be delinquent on my account, but that hurts my chances of having a better XXXXredit score to refinance eventually. Nothing makes sense anymore.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I noticed Portfolio Recovery Associates on my credit report around XX/XX/XXXX/XX/XX/XXXX time frame. So I started disputing their alleged debt, they said I owned. I was looking for someone to answer questions about this alleged debt. I sent correspondence after correspondence, without them answering my actual questions I asked. Portfolio Recovery keeps responding with very canned responses. Ive tried to write directly to the CEO or anyone with firsthand knowledge. No one at Portfolio Recovery is able to answer my questions, on this alleged debt. It seems they hide behind a depart such as disputes department to answer question. Hints they really do not having anyone the tell me legally how they are staying on my credit report and still trying to collect on this alleged debt, they really do not have much info on. Portfolio also keeps asking me to provide more information. If I dont recall having this debt, why would I have more information?
Consumer complaint received 2021-08-16
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. (CO)

In XXXX of 2021, and again now in XX/XX/2021, there have been a total of three fraudulent inquires on my Transunion credit report. The inquires were made with XXXX XXXX, which I have never even heard of until the fraud. There were also two added workplace updates that were false, which I also did not make. Neither XXXX XXXX, nor Transunion seems to be able to do anything to help stop this. There should be an alert they can create so they can stop the person who keeps trying to steal my identity.
Consumer complaint received 2019-03-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX   years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification which day we will will never give I have been suffering a hardship because of the loss of my income from my job that I was on for XXXX years for the XXXX XXXX XXXX. I notified my bank of the problems I was having and all they keep doing is sending me paperwork to reapply for a modification. They will not consider me for a modification because they said it would raise my payment I have no income except for a small supplement I get each month for raising my grandchildren its {$700.00}. My husband lives on Social Security and he can only afford to pay his bills and nothing more I ask the bank if they would except {$500.00} payments because I am expecting all my backpay but they will not work with me. I also slide for Social Security XXXX which I had a hearing on XX/XX/XXXX I am currently waiting for the decision on that but I applied for that two years ago and theyre claiming that if I get approved I will get that back Pay. I am stuck in a rut at this time I have no way to make money because Im temporarily totally XXXX and I have been for the last two years I ran out of money in my savings is gone my brother was helping me but he passed away in late XXXX and I want to keep my home. I have a problem with XXXX  and XXXX at this time and I just dont know what to do I need help please will somebody please help me keep my home I have nowhere to go with my XXXX children and my dogs I just have nowhere to go. Ive been in this house for the last 20 something years and I plan on paying it off one day but I just need the payments to be suspended until all this money starts coming in can someone please help me my mortgage payment doesnt seem to want to help me I dont know what to do. Another document that I turned in they claim they never got to spending my payments in XXXX of last year but Id have to have proof that I signed it and I faxed it to them because they got it to me after or close to the deadline so I faxed it to them and they are claiming they did not get it although I have a copy of it please can you please help me get some relief from this I dont wan na lose my home.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.