davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
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. (NV)

XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the transaction.
Consumer complaint received 2019-07-05
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. (NV)

XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the transaction.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion. My credit scores were XXXX and 630+ respectively by credit co . I  received an erroneous report from XXXX school loans and my scored dropped more than 200 points. The error was correctef by XXXX and I have cleared 90 % of collections and my scores are still in the 500. The credit reports document that I am paying bills but score is still low.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (SC)

On XX/XX/2024, I called my mortgagor, PHH Mortgage, to request a forbearance while I worked to correct an escrow deficiency caused by South Carolina incorrectly taxing me as a non-resident. This escrow deficiency caused my mortgage to increase by {$1300.00} per month, and getting the necessary tax refunds has taken longer than I wanted to. I was told by customer service during the XX/XX/XXXX that ( i ) my account would be placed in forbearance immediately to cover the XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX payments ; ( ii ) that no auto-pay payment would be taken out on XX/XX/XXXX ; and ( iii ) that I did not need to make any changes to my auto-pay account. 

All three of these items proved to be false, and on XX/XX/2024, my account was debited, including for the additional {$1300.00} escrow deficiency amount. I called the same morning and was told by customer service that my account had not been placed in a forbearance and that no effort was made to defer my XX/XX/2024 payment. I asked for a refund and was told that I would have to call back on XX/XX/XXXX after they had processed the payment to " begin the process '' of requesting a refund. I was provided with no assurances that any refund would be provided at all or when any refund may be forthcoming. 

I relied upon what I was told when I was requested a forbearance, and the XX/XX/XXXX payment caused my account to run delinquent. I have no idea how I am going to take care of my other financial obligations ( including feeding my three children ) while I wait for PHH to make a determination concerning whether or not I might get a refund. This has caused me enormous stress and to have to call other companies to ask for them to defer payments while I wait for PHH to decide whether they want to sort the issue out. Customer service thus far has been unhelpful and unsympathetic.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Fifth Third Bank account to fraudulent investment firm ( s ).
Consumer complaint received 2023-01-03
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. (TX)

I have several hard inquiries that were not me Id like to get rid of by the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have been disputing an account with XXXX, XXXX, and Experian asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. XXXX did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/XXXX. Experian and XXXX are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, XXXX and Experian has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. XXXX, Experian, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (FL)

The company is CashApp. I have been using them since 2018 and this is the first time with a problem. 

On XX/XX/XXXX my daughter sent me {$1400.00}. She does this monthly for rent. Usually I will get a text message that she sent the money, go to my CashApp app, the money is there, and I cash out to send the funds to my bank. 

This time when I went to my CashApp app the balance in my account said XXXX. At first I thought maybe sometimes the transfer is not instant. But by the next day the balance still was XXXX. 
I called my daughter to confirm she sent the money. She sent a me a verification that was sent from CashApp that the money was received. She also confirmed that the {$1400.00} was taken from her account. 

i then spoke with CashApp 's customer service department numerous times trying to resolve the issue. They always told me that the funds where in my account. my complaint was that I had no access to the money and my account balance says XXXX. 

I escalated up to a manager who e-mailed back stating they were working on the problem but that the money was in my account. Still no access. 

I have called several times since then. I was finally provided with a reference number. 

That number is XXXX. However as of today XX/XX/XXXX, XXXX days later, my funds are still not available to me
Consumer complaint received 2019-07-05
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. (NV)

XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the transaction.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USI Solutions Inc. (NY)

USI Solutions called me ( a woman named   XXXX   XXXX   ) and tried to collect a Zombie debt from 2008 that was already settled with the original debtor.
I advised them of these and they threated to mark it as refusal to pay and would have a negative impact against me.
They provided False statements and representation ( trying to collect wrong amount, impersonated lawyer or government ) Attempts to collect debt not owe, No written notification was ever received Took or threatened to take negative or legal action.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2019-07-05
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: EQUIFAX, INC. (GA)

On XX/XX/2019 and XX/XX/2019 I requested verification of several accounts on my file. 

The data furnisher has not to date responded to my request. I have given them more than enough time to complete their investigation. They have ignored my request to update personal info such as my name variations, phone numbers, and address, along with them not providing requested info about verification of accounts listed above. under FCRA Section 611 Part ( A ) ( 1 ), i have a right to dispute inaccurate items and request verification without them using E-oscar and they must respond within a certain time frame and they have not on both occasions. I am requesting they delete the below accounts immediately The accounts are as follows : XXXX XXXX 2 times/accounts ( equifax   only ) XXXX XXXX 3 times/accounts ( equifax only ) XXXX XXXX 2 times/account ( equifax only ) XXXX XXXX XXXX ( equifax only ) XXXX XXXX XXXX ( XXXX and equifax )
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (NY)

I have received XXXX credit complaints from different banks, which have affected my credit score, yet I have not applied for any of these, the only thing I have consciously applied for is XXXX XXXX  XXXX credit cards. I need your help to solve this problem and erase these XXXX complaints from my history. Please.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

ive removed the same fraud alert almost seven times with all bearues now and experian continues to keep this on my profile even after me sending the requested documentation that was asked from me including my social security card and copy of my id ( state issued ) this issue still persist with no avail
Consumer complaint received 2019-07-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC. (AZ)

Applied for a fha loan to buy a house. The lender Summit Funding. They Advised that everything was set to close and was approved by the underwriter. After I was advised how much my down payment was. Took money out of my XXXX for this house. Got all transfer papers from employers. On the day of close they push it out until they spoke to my employer. Which was done. The broker with XXXX XXXX XXXX XXXX, Az. Advised they had all document approved and the date was set to meet with the title company. So I took the day off work to fly out and start my new journey this my new home. As a first time buyer. When I got to XXXX. The Lender said they could not accept the call hey made to XXXX XXXX. I even had to pay the appraisal fee and sign all Closing documents. It was not right. Please help, mind you Im a single parent and been with XXXX XXXX for over 7 years. I have not got my earnest money back from XXXX XXXX. All this and didn't approve me for this house. Summit Funding made me pay for appraisal fee to not to be approved to by in the amount of XXXX. Its not fair. Even gave up housing.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (VA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; SPRING OAKS CAPITAL # XXXX I dont recognize this account in accordance with the fair credit reporting act ( SPRING OAKS CAPITAL and XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-07-05
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. (MD)

My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.
Consumer complaint received 2019-07-05
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: FactorTrust, Inc. (RI)

I checked my XXXX, factor trust XXXX  and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date opened XXXX/XXXX/XXXX {$400.00} 7 )  XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ri XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ri XXXX 3 )  XXXX XXXX XXXX XXXX XXXX , ri XXXX 4 ) XXXX XXXX XXXX XXXX , RI XXXX 5 ) XXXX XXXX XXXX XXXX , ri XXXX 6 ) XXXX XXXX XXXX XXXX , ri XXXX 7 ) XXXX XXXX XXXX XXXX , MA XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXXXXXX 10 ) XXXX XXXX 11 )  XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX  14 )  XXXX XXXX XXXXXXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX   XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I paid for a FICO score with Experian for XXXX dollar. They did n't give me a my score, because they said I was un-score able. I ask for my dollar refund and they said no refunds. I said your advertisement do n't mention if you were un-score able there are no re-funds.
Consumer complaint received 2021-04-19
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: National Credit Adjusters, LLC (TX)

Greetings, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. 


Inquiries Dated ( XXXX XXXX ) and ( XX/XX/2021 )
Consumer complaint received 2019-10-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Portfolio Group LLC (CA)

Advanced Portfolio Group ( aka APG ) first called me on XX/XX/2019 informing me that they were attempting to contact me to mediate a " business '' matter. Upon speaking with a representative at the firm, they are attempting to collect on an installment loan debt without ever notifying me via written mail. I asked the representative to mail me the appropriate information per the Fair Debt Collection Act, in which he verified my home address. I indicated to them that I would be disputing the debt. 

The company called again on XX/XX/2019 and left a VM saying I had plenty of time to review the email they sent on Tuesday and wanted to know if I would prefer to settle the account or go to mediation. I called back and spoke with another representative to inform them I still had not received the notification via mail. The representative indicated that they already mailed something 30-days ago and sent an email on Tuesday. I informed them that I had not received both, per law, and would again need to validate the debt. The representative became very angry saying they could verify a letter was sent, which I indicated unless you certified it, I have no record receiving it. 

It is my belief that Adavnced Portfiol Group ( APG ) is not following the Fair Debt Collection Act laws and have mailed them a cease and desist letter via certified mail. It is my expectation that all further communication be mailed via USPS per law.
Consumer complaint received 2019-07-05
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. (MD)

My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am so confused where XXXX  and Transunion get this public information Chapter XXXX Bankruptcy Discharged XXXX .. The recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. XXXX sold this information to the credit bureaus.. Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system.