davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you, when I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.I 've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. As required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. Every ( XXXX ) shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Consumer complaint received 2022-05-17
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. (FL)

This is my 8th attempt to get this matter resolved. I've submitted 7 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. ExperianXXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with ExperianXXXX. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-17
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 XXXX with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agencies can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-21
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

During the XXXX payment pause, my bank records indicate I paid {$34000.00} toward my student loans and the money was dispersed across the following XXXX loans : XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$24000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$8500.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$6400.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$13000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$20000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$15000.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$5100.00} XXXX ) Disbursement date XX/XX/XXXX, original principal {$3100.00}. 

The XXXX loans disbursed in XXXX and XXXX were completely paid off during this time. I have contacted MOHELA by phone 4 times and by secure message 4 times between XX/XX/XXXX and XX/XX/XXXX to request a refund of my {$34000.00} in payments. I specifically requested a response, in writing, indicating that MOHELA requested a refund for all payments made on all XXXX loans. In response, MOHELA provided in writing that they are only acknowledging the XXXX open loans disbursed between XXXX and XXXX in the request. They have specifically omitted the XXXX loans I paid off. 

The XXXX loans disbursed in XXXX and XXXX that were paid off during the XXXX payment pause were paid off while my loans were serviced by XXXX. ( My loans were transferred to MOHELA in XX/XX/XXXX ). I contacted XXXX to request a refund from them, but they referred me to my current servicer MOHELA.
Consumer complaint received 2022-05-17
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. (AR)

The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also violated my rights under 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose...
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I supplied a personal services to a person who used her debt card to pay for {$800.00} for an service agreement for room and boarding service in which I accepted her payment through " PayPal Here '' card reader for point of sale use ; the payment was accepted by PayPal Here at this time I believed all the funds were available for use at anytime. 

However, it wasn't until XX/XX/XXXX I received a notice regarding a 30 days hold was place on {$300.00} for the following reasons : ( 1 ) because the account was new ; ( 2 ) or because the company reserve the right to hold a portion of the funds for the first time which was been sent by PayPal to my email and after complaining to PayPal the email has been deleted from my received account. 

On XX/XX/XXXX at : XXXX at XXXX and spoke with XXXX ID # XXXX requesting PayPal to release the hold on funds, it was imperative to pay other bills and avoid 30 day lates attempting to plea with him to make an executive decision to remove the hold ; Here 's were I got the run-around with " the back office '' refused to release the hold and when I ask for the name of the back of person who he spoke too? and I was then told that " he could give out that information '' and he would not be able to release the hold on {$300.00} as requested. 

In addition to funds being placed on hold in which did not consent ; sign any agreement in XXXX when I open the account I did not consent to this form of usury. I did not select to have funds placed in a restricted account. 

Finally, I informed the agents of these facts and the recent changes and updated to place funds on hold did not apply to me ; and again requested the agents at PayPal to release the fund requested to speak with his supervisor who also refused to release the hold on the account and the call was mystically disconnected.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, EQUIFAX and XXXX credit bureaus, the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (IL)

Creditor : PLAZA SERVICES Collection amount : {$7600.00} I noticed that the Debt in the amount of {$7600.00} has not been reported to XXXX but is reported to XXXX deeming this Information to not be 100 % accurate, inconsistent, and is not reported to all bureaus. The Fair credit reporting act states that all information reported to credit bureaus has to be 100 % accurate. If this debt is accurate why is it not being reported to all XXXX credit bureaus?
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Loan # : XXXX PHH Mortgage is my mortgage company. I made a payment last XXXX and used the incorrect bank acct ( my fault ), i called the company the very next day they told me they would run the check again so i changed the funds to the correct account and waited for they to run the check again. Well, i guess they decised not to run the check again and it cause my trial mod to be voided which i told the rep that i was on a trial mod. A foreclosure date was set and i filed Bankruptcy to avoid losing my home. The mortgage company told me to resubmit the modification and I have on 3 different occations. Since the bankruptcy I have resubmitted it twice and nothing is being done. It was only when i call i ffound out that they cancelled my first request without notice and when i called they told me they wanted me to start the process over. So I started over and its been over 1 year and 45 days and i havent heard anything until yesterday i called XX/XX/2019 and now they are requesting more documents. My mortgage company does not reach out to me via of phone, email or mail at all!!!!!!!!! I need help!!!!!!! On serveral conversation i have ask them to email me and i gave my son 's mailing address and nothing ... .. I dont want to lose my home and the bankrutpcy payments are killing me. Can someone help me push this through? Or can i file a law suite for answers. DO ANYONE CARE! I have a better paying job and things are starting to look up for me since the death of my spouse. I just need help?
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). <P/>When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. <P/>In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? <P/>This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.
Consumer complaint received 2020-10-05
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. (LA)

For the past two months, I have been trying to get a total of 8 hard inquiries removed from my credit report that I did not authorize. The inquiries and unauthorized dates are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX XXXX. I sent several dispute letters and I even contacted them several times as well to verify these inquiries and the information comes back verified. I contacted Transunion again and they prompted me to call EACH creditor to retrieve a " Letter of Deletion ''. When I contacted each creditor and requested a letter of deletion, EACH creditor informed me that there is no record of " XXXX XXXX XXXX '' in their system. Therefore, I sent Transunion another letter to verify their method of verification and requested specific details to ensure verification and Transunion failed to do so ; these inquiries again came back as verified. I contacted the bureau again to seek further assistance in these inquiry deletions and no one seemed to help me resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and I've went over and beyond to get this matter handled. I feel devalued as a consumer and customer of Transunion. At the time of these inquiries, I was in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

Provident Funding in XXXX XXXX, CA is stinks. 
FYI, I live in XXXX, and I don't own any property, I also don't own car. I have good job with good pay, I have very good credit history score as well/ I started refinance my mom 's home in TX on XX/XX/2019 for only XXXX refinance amount. 
Underwriter initially approved, then requesting a lot of documents ( documents of your business 3 years ago, bank statement of anyone who sent/received money from your bank acc ), greedily wanting to involve more borrowers for the security of loan. 
Underwriter said my debt ratio was high for loan amount because I lived under same proof with my spouse.??? What nonsense it is when title/mortgage statement/note didn't include my name. They even requested to see my husband 's bank statement to see if he is able to pay mortgage on his own without my help. 
If they didn't get what they want, they simply rejected the loan no matter what effort you put. At the end, borrower is the one got hurt : time, money for appraisal, effort.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

I opened an account with USBANK only to retrieve cashers ' checks to move into my new place from Oregon to XXXX XXXX Nevada. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX 2 times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is XXXX ; my credit should never have been pulled. I feel I was tricked and deceived. I filed a complaint on the wrong bank previously. My mistake it is USBANK. I received a call from a XXXX whom stated it would filed, yet I have received no future response stating my credit has been cleared up with the Credit Bureaus. the only thing that was resolved is the credit line is gone. I need my credit reports to reflect I have all my points back with no Inquiry from USBANK.
Consumer complaint received 2022-05-17
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. (PA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Liability : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Liability : {$0.00} XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX