davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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 XXXX XXXX XXXX. 
wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # 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 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 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 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  Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

The reason for dispute is because Transworld Systems is reporting a 1st day of Delinquency of XX/XX/2016 on my credit report from XXXX. The Alleged procedure was performed on XX/XX/2016 so how can I be delinquent on the same month of the alleged procedure, Transworld systems has violated my hippa rights by totally ignoring any grace period and sending me directly to collections ruining my credit and preventing me from enjoying the benefits of a good credit, Attach to this dispute I am providing you a letter send from TRANSWORLD SYSTEMS where it shows the procedure and the date on dispute and a copy of this account on my credit report from XXXX
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (AZ)

I made a payment on XX/XX/XXXX of {$300.00} that posted to my account on the XXXX. However, the credit card company will not release the funds even though its posted. 

I called and they said can't release available credit for 14 days. I asked to speak to a manager. The manager said the same thing. I was told NOBODY has the ability to release the credit. I then asked to speak to his manager. I was told manager would tell me the same thing but put me in a queue. I heard music and then suddenly it stopped and I hear dead air but the call is still connected. 40 minutes and nobody is speaking. 

I have an emergency and they have taken my money from my account but refuse to release it. Then I just got ghosted. As I'm typing this, the call is still connected but dead air. Nobody will respond. 

This is unacceptable. They have taken my money and refuse to release it.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

As of XX/XX/XXXX, PHH offered me a loan modification which I accepted. I submitted the required PHH documents inclusive of the PHH loan Modification application. On said PHH application, I clearly checked the box that I was divorced and also, attached a copy of my final divorce decree and Quick Claim Deed ( deeding my home into my name soley ). I also lined out on the PHH loan modification application the " co-accountholder ''. I fully disclosed to PHH that I was divorced and the loan modification would be in my name only as of XXXX. Due to PHH 's incompetence, I had to submit the same loan modification containing the same information and disclosures to PHH at least 7 - 12 times. Based on that same and consistent loan modification, I received several written approval for my loan modification from PHH. Said PHH approvals of my loan modification has several different ranging loan modification monthly payments from {$4700.00} to {$6200.00}. 
I have made 5 monthly payments of {$5.00}, XXXX ( 3 payments to satisfy the Trial Payment period and XXXX & XXXX payments ). NOW, as of XX/XX/XXXX more than 4 years of prior knowledge, approving me for a loan modification, and accepting 5 monthly payments, PHH has threaten me with a trustee sale and eviction. Offer, acceptance & consideration. PHH has a least breach of contract, deceptive business practices and has operated in bad faith.. PHH has violated both Federal & CA laws during this process with regard to both loan servicing and debt collection.
Consumer complaint received 2023-01-13
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX its in collections when i paid off the phone i was not under no contract but there charging me on that back in 2012. XXXX its also in collections i paid them for 12 months after that in XX/XX/XXXX i cancelled it after the 13 month.there both in collections i try speaking to them when they call all they do is harass me saying they need there money!
Consumer complaint received 2024-03-07
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-03-07
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. (FL)

I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry in question appears on my credit report. I have no association with those creditors and did not authorize any inquiry from them.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

i made a dispute requesting to have all old addresses removed from my report and addresses that i have never lived in and they will not remove them. according to law they should only report accurate information on my credit report. if not, that is considered misleading false reporting and should be deleted.
Consumer complaint received 2021-05-13
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)

Im submitting this complaint against XXXX and Equifax, due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland XXXX claims I owe, they called my son telling him how they will take his mother to jail. I did a debt consolidation and completed 2 years ago with all debts ever owed settled except for School and Mortgage. I disputed 5 or 6 times even sending proof that they are recirculating a 2016 account that was settled and closed but they keep saying not true.
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. ()

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, XXXX, and Experian on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Here is a random look at the mortgage transactions for the past year XXXX : - XXXX. On XX/XX/XXXX on their website it indicated there were 8 fewer payments with 85 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. Unfortunately I did not take a screen shot of their website! 
2. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 83 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX although it indicated the pay off date was XXXX, XXXX. 
3. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 82 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
4. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 81 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
5. On XX/XX/XXXX on their website it indicated there were 4 fewer payments with 80 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
6. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 78 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 
7. On XX/XX/XXXX on their website it indicated there were 3 fewer payments with 74 payments remaining which meant I will still have to pay until the maturity date of XXXX, XXXX and it indicated the pay off date was XXXX, XXXX. 

Why is it that the number of few payments keep changing up and down from 8 to 4 then 3 and then to 4 and again to 3? The pay off dates keep changing erratically! Where is the extra principal being paid going? 

This is PREDATORY since " Predatory lending '' has become shorthand for describing a variety of lending practices that may be disadvantageous to borrowers. It can mean any type of abusive lending practice where the lender benefits through unworthiness, deceit, misrepresentation, bad faith, or dishonesty. Can you really dispute this? Certainly the records show unworthiness, deceit, misrepresentation, bad faith, or dishonesty.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXk Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX OF XXXX Card Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX FXXXX 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 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IA)

I scheduled a payment on XX/XX/XXXX for XX/XX/XXXX, knowing I had my first payment due XX/XX/XXXX. I also set up automatic payments the same day and saw that it said they could take a few days to set up and that if I had a payment due within 10 days, I would be responsible for making it. As the terms and conditions didn't state that the automatic payment would pull regardless of if the payment had already been made I thought things were fine, and didn't think anything of the confirmation email I received stating the first due date for the auto pay would be the XXXX as I knew the payment would be in process shortly. Then on XX/XX/XXXX they pulled a duplicate payment for the payment due XX/XX/XXXX, and I was unaware of this until I went to pay another bill and realized my account balance was shockingly low. I called customer service who told me for the first time that the payments pull no matter what and I needed to skip an automatic payment etc., and when I asked for a supervisor the line was disconnected. I called back and was able to be connected to a supervisor named XXXX employee number XXXX, and he stated that the terms clearly indicated that the payment would be pulling regardless, and I stated they didn't he then read some terms to me that again didn't explicitly state that it would pull even if the regular payment had been satisfied, and said that there was no reason it had to say this. Every other bank has to clearly disclose if they are going to be pulling the payment regardless of it being satisfied before the payment due date. He told me the payment pulled XX/XX/XXXX satisfied the XX/XX/XXXX payment but it would still pull a payment XX/XX/XXXX unless I cancelled the Automatic payment. I just received an email this morning stating my automatic payment would be made soon which leads me to believe the XXXX payment was not satisfied. But I was also told that in order for them to refund the payment to me it would take 30-45 days, which is astronomical and unfair. I'm adding a copy of the terms and conditions documents provided through the automatic payment sign up so you can see it. It specifically says " if you have payments due on any of your loans, you are responsible for manually paying your scheduled monthly payments until you are notified that your Auto Pay request has been processed. '' this implies that they will only be pulling the scheduled monthly payment that is due.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This complaint to XXXX was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

A phone call was made on XX/XX/XXXX, to General Business Recoveries ( GBR ) regarding a medical Debt from XXXX XXXX XXXX ( XXXX ) in the amount {$150.00} from the year XXXX. 
I verbally disputed the debt then GBR rebuttal with a 'financial agreement ' signed by myself in which a copy was sent via USPS mail from GBR. I indicated to GBR I have not been to XXXX since XXXX or XXXX and any monies owed were paid in full. During this phone call GBR Recovery Specialist XXXX Ext XXXX made the threat to enter this debt on my credit report. 
Shortly, after disputing the debt verbally, a copy of the 'financial agreement ' was received via USPS mail from GBR. Despite the fact I verbally disputed this debt, GBR proceeded to enter this debt on my credit report. Another phone call was made on XX/XX/XXXX. I asked GBR Recovery Specialist XXXX Ext XXXX several times will the debt be deleted on my credit report as I did not owe any debt to XXXX, and why wait six years later to try and collect an invalid debt. I also stated the 'financial agreement ' was not a binding agreement specifically to this debt of {$150.00}. XXXX. The signature signed from XXXX is null and void. I declined itemized billing as I do not agree with the billing and due to the age of the bill as I can not verify anything with one of my insurances as XXXX no longer has the XXXX  contract. GBR Recovery Specialist XXXX Ext XXXX replied, that this is not going away. I asked several times would this debt be taken off my credit report, to which XXXX Ext XXXX refused to answer the question and hung up the phone without responding to my question.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

Today I receive an email stating that an account have been approved and opened with Wells Fargo that I did apply for. The following email was a change of information to an unknown email. I immediately called Wells Fargo to freeze the account and make a fraud account. They informed me that an account had been opened, but I would need to do inside a branch to receive detailed information of activity. I then locked my credit report with all 3 major bureaus.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (PA)

Yet again after many failed attempts at contacting this company I am forced to file a complaint. The balance due on this account is inaccurate, I have proof of all payments made since agreement finalized in XX/XX/2020, called the company, emailed the company through their website and have not heard a word. I even emailed them attempting to make a settlement offer and nothing.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

I opened a care credit card IXXXX XX/XX/2020. First two payments were made at the dentist office but then covid started and the office temporarily closed. However i never received any statements, bills, notifications nor was I given any account information. I had no idea I was being billed as i never recieved anything. My card closed out due to non payment.