davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
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: Innovis (NY)

They refuse to fix their XXXX system its bevause of these people I cant get verified when applying for a store credit card when I call them they cant even send me a passcode to my cellphone and its my number which their system cant verify when I called them they said to me we will Work. With it and see if this can be resolved horrible company they must be shut down
Consumer complaint received 2019-10-07
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: Experian Information Solutions Inc. (FL)

On XXXX XXXX. I received a credit monitoring for a inquiry on my credit with Experian from a company I NEVER heard of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for an installment loan. This was on a Sunday. I called them Monday morning and the rep. pretended he could not locate my name in their system. I informed him I had the printout from Experian showing it was their company & to remove the inquiry. The 1st rep hung up on me, the 2nd rep did nothing. I NEVER applied for an installment loan. I kept asking them where did they get my information from, no response. My credit file was obtained illegally by this company.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

We were with Ocwen financial they were being sued by the government for faulty mortgage loans they sold our loan 2 PHH and at the time we had a modification approved with Ocwen when the loan was transferred to the new mortgage company we kept getting letters that there was no modification in place, and therefore we needed to take care of our loan by doing a modification application or other options we tried contacting this new company to get a modification package and at the same time we were out of work we never got the modification PKG. We never could get the option to modify the loan then we receive a letter stating that we hadn't paid the modification therefore we were in pre-foreclosure. When we received the letter regarding to foreclosure we did send notification that we disagreed with information and this was done before they even set up the sell date. We never received any other documents we were looking online at our address and it showed there was a auction date we knew nothing about this. We contacted the mortgage company and they told us that they were planning on sending out a letter giving us the auction date however we never received even anything by the sheriff 's office regarding to any sell date. This mortgage company for what we are seeing is also being sued by the government at this moment for faulty loans also. We should buy legal means should have received a letter before now possibly with a pre-foreclosure meeting at the courthouse or even giving us more time then three weeks due to the fact that we did file complaint with the company letting them know that we did disagree with the decision it did state in their formation that as long as we filed this complaint within 30 days of the information that that would halt it and we did we have proof of that and still they set up a foreclosure date without our knowledge.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I had a medical emergency a couple of years ago at XXXX XXXX in XXXX XXXX, Texas. During my visit I had to provide my medical benefits-insurance information to be seen. All information was provided at time of check in. I never received notice to provide additional information during my visit or thereafter. Many months later I received notice of a collection account on my credit profile. I did not receive information to validate said debt nor did I receive and EOB from my insurance company showing the bill was presented to my medical insurance.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (NY)

They refuse to process any of my applications either secured or not secures I want to build a relationship with them but they wont allow me send me XXXX   letters saying that I was a bad customer when I call them they wont tell me how long I have to wait its like they think Im a fraud they treat me horrible and its just horrible they recommended I apply for a secured cars with my own money so then Im Not a high risk because their not lending me anything but they decline me for that as well I dont know what else to do with this bank their so discriminating even though I never had any accounts with them Thisbe bank must be investigated I wont stop until they seek resolution because its nit fair how they behave with me their fraud department is awful their is a rude guy their XXXX
Consumer complaint received 2023-04-09
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. (NY)

I called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX  Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This company with my identity theft report for fraud refuses to delete fraudulent information they say they cant dispute inquiries this is ridiculous when Im the last with my police report they would send me a letter of deletion and now they give me a hard time and refuse
Consumer complaint received 2023-04-09
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. (TN)

I disputed all three bureaus no change, I have no knowledge of this inquires if you could help me i would appreciate it so much I'm disabled and a veteran thank you the accounts are listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this accts are hard inquries and i have no knowledge or gave no permission. I disputed XX/XX/ XX/XX/XXXX  no changes on my report transunion XXXX  XXXX  thank you XXXX XXXX
Consumer complaint received 2019-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

Confirmation : XXXX XX/XX/2019 Greetings, I am asking that Equifax reinvestigate a Public Record displayed on my credit report. I have sent them numerous letters from the reporting company as they require, XXXX who the third- party vender who reported this bankruptcy Case or ID # XXXX to Equifax See : Letter Enclosed. Please verify this letter. And Removed the bankruptcy from my report. Also, the Maryland Federal Bankrupt Court do not report Bankruptcy Cases to Equifax or another credit bureau about a consumer filed. See : Letter Enclosed. This letter shows that you did not verified or validating Maryland Federal Bankrupt Court reporting this bankruptcy case to Equifax, so they lied. As Equifax has this written on my credit report. I have been working with my creditors to make a wrong a right and Equifax you need to do the same thing. Make this right by verify these reporting letters from their agency. And removed the public record bankruptcy from my credit report. Equifax has both letters of information from reporting companies but refused to remove the bankruptcy from public record on my credit file. As of today, XXXX and XXXX have removed this bankruptcy from my credit files and Equifax needs to do the same.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Bank reported a {$12.00} charge to the credit bureau that was from a fee they charge for having their credit card. I was unaware of the charge. I had XXXX Removal XXXX in late XXXX and did not log into my online account for XXXX. I had a XXXX balance on my credit card. In Early XXXX I saw the charge on my account and paid it immediately. 

Upon applying for home mortgage it was brought to my attention. I went to Suntrust Bank and met with the Manager at their XXXX XXXX Branch in XXXX Fl. He agreed that it should not have been reported and while I was with him her personally wrote a letter of dispute to the credit department of Suntrust. 

I received a letter from the credit department that it was being reviewed but have heard nothing back. 

I am formally requesting that this charge be removed from my report. It is hurting my credit and barring me from applying for a home mortgage. 

I would appreciate the help cfpd. 
Thank you XXXX XXXX
Consumer complaint received 2019-10-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been contacting them since XXXX of 2019. Still unable to show me any proof of consent. Im unable to continue my studies.
Consumer complaint received 2023-06-12
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. (CA)

The following accounts are unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have also ask the creditor and credit bureau to provide with proof bearing my signature that I owe this debt. They have both failed to do so. 
Also, 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. 1
5 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 als
o states a consumer reporting agency can not furnish a account without my written instructi

ons 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 2019-10-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (GA)

I opened two separate accounts with this company Acima. One was a Jewelry account and the other was a furniture account. I had a discrepancy with Acima over the the date the furniture was received which in turn would affect my 90 day payoff amount. I spoke with their supervisor he quoted me a payoff amount as long as the date I quoted them, based off when I received my furniture. I payed the exact amount he quoted me to pay the account off. I called back to check on the account a few days later and there was another charge, called backs again after that about a week later and the charge kept increasing. At the time no one would close the account even after listening to the previous conversations that were recorded. I became frustrated and let them know I would not pay any more money on either account ( including the jewelry account ) until the situation was rectified. The account was finally rectified weeks later but they had reported to the credit bureau a 30 day late payment. Both accounts have been paid and cleared but the 30 day pay is still on my report and has dropped my score by 50 points.
Consumer complaint received 2019-05-24
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. (CA)

This is a very simple complaint. I disputed an account with the three major credit bureaus that was incorrect. XXXX XXXX XXXX  XXXX. I did so on XX/XX/19. It was incorrectly reporting me as 30 days late. XXXX and XXXX XXXX corrected the information almost immediately. Equifax did not. They claimed the 30 day late payment was verified. 

I then re-submitted another dispute on XX/XX/19 to Equifax for the same reason. That dispute came back as the account being verified as well. Because Equifax is refusing to correct the late payment, my credit is being jeopardized and preventing me from obtaining credit since the late payment is within the last 6 months. 

I need Equifax to correct the late payment on XXXX XXXX XXXX XXXX. The other 2 bureaus corrected it as it was unverifiable or incorrect so why is Equifax claiming it is legitimate?
Consumer complaint received 2023-04-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality inder 15 USC 1681.

193890 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. Section 2 : Its also states a consumer reporting agency can not furnish a account without 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 2022-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (NC)

I faxed a letter to Grant & Weber for debt validation, and not only did I NOT receive a response, but they also increased the balance by {$4.00} which could be an attempt to keep the account active on the credit bureau report ( s ).
Consumer complaint received 2019-04-12
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: EQUIFAX, INC. (FL)

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, Equifax and XXXX. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

On XX/XX/20 we received a letter from our escrow company stating we had a shortage. Our payment would go up {$100.00} per month. We had just closed on a refinance. I called my mortgage company representative. He was not sure and questioned if we received notice of tax increases. On XX/XX/XXXX I had a hearing to lower property tax and it was. I looked into any increases and there where none. We call mortgage escrow and they stated to my wife that our taxes increased which we know not to be true. Our mortgage representative looked into also and stated to me escrow was expecting tax increases do the county tax cycle. With no cause or number they increase our escrow input to cover a shortage that does not exist yet.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was working with XXXX XXXX on a payment arrangement for a bill. As soon as I gave my checking account number-within that same breath-the rep asks me if I am aware of debt for capital one in their office. 

I have a Current Capital one card I am in repayment on-in past when I received these phone calls it upset me because I was confused about which debt they were referring to. 

This debt they were referring to is over 13 years old. 

I felt Harassed and manipulated-I would not have gone into a payment arrangement with this company for XXXX -- had I known they would combine the two companies in our conversations, and during our payment arrangement no less. 

Thanks XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (CA)

I'm a victim of identity theft. Even though I did not have any credit card from American Express, someone apparently used my ID information, opened a AmEx credit card in XX/XX/2017, and made purchases for about {$8600.00} using the card. I made several phone calls to the American Express office informing that the debt was from an identity theft. I reported the ID theft crime to ( i ) Police Department ; ( ii ) FBI ; and ( iii ) FTC. I sent all of the reports ( police report, FBI report and FTC ID Theft report ) to American Express to show them that I was a victim of identity theft and asked them to close the unauthorized credit card account under my name and remove any charges on the account. However, American Express said they are unable to accept my claim since I RECEIVED AND USED THE CARD ISSUED IN MY NAME although I never received the card and never used it. I requested all of the information provided to American Express at the time of the credit card application. American Express provided the information to me. Among the information, the person used a XXXX XXXX address and additional card member 's social security number and birthday which does not belong to me. Although I appealed American Express that those information is not mine, they are still not willing to accept my claim. Rather, they recently hired a collection agency to try to collect the debt that I have been disputing with them.