davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian is the only credit reporting agency who continually lowers my XXXX score when a credit card is paid off. Recently I paid off my credit card and Experian lowered my credit score by 17 points while there was no change with XXXX or XXXX.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (NJ)

Please be advised I have requested validation { not verification } of an item reported by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

Savit Collection Agency did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-02-20
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. (NJ)

On XX/XX/18 I noticed on my credit report that there were 3 hard inquiries that were not mine. Since they would bring down my credit score I called TransUnion to have them removed. The first person I talked to didn't speak English well but did tell me that they couldn't do anything for me so I asked for a supervisor. XXXX the supervisor told me that they can't take hard inquiries off my credit report even though I did not apply for credit from these companies. He said that I must get in touch with these companies and ask them to submit letters of deletion. I told XXXX that they are not responsible due to the fact that I did not give them any of my information. I also told XXXX, that my son who has the same first name as me, applied for credit to these companies. I also tried to explain to XXXX that my son and I have different dates of birth and social security numbers but he did not care. TransUnion does not check social security numbers or dates of birth JUST NAMES! Very IGNORANT people! TransUnion is lowering my credit score through no fault of mine and they REFUSE to help!
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I filed bankruptcy in XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX who stated they are not reporting anything negative and according to their records my balance is zero. A collection company stated they brought the account from XXXX XXXX and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with Portfolio Recovery or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX shows only on XXXX with a XXXX closed account balance. 
account was open over 5 years ago. The information of having a XXXX XXXX account XX/XX/XXXX is false information being reported.
Consumer complaint received 2023-03-26
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. (OK)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Crown Mortgage Co. (IN)

This letter is to address the recent denial for Modification, on behalf of XXXX XXXX. 

It was determined, by XXXX XXXX that the default was, to quote him - self-inflicted. That it was caused by monies that were given to my father, shortly after my wife passed away. 

This information is absolutely incorrect, as my wife passed on XX/XX/XXXX and in XXXX, XXXX, I lent my father monies. It wasn't until almost a year-and-a-half of on-time payments, that I defaulted. The reason was directly related to the repayment of medical and funeral costs related to my wife passing away from XXXX. 

These costs, saddled with college tuition and housing costs for my daughter are the REAL reason for the XX/XX/XXXX default - again, almost a year-and-a-half after I extended the loan to my father. 

Also, in XXXX of XXXX, Crown Mortgage declined an initial request for modification, based on - 1. No verifiable hardship - this is incorrect, as the hardship was clearly stated as ongoing funeral and medical costs from my wife 's passing, as well as, current college costs for my daughter 2. Mortgage is Affordable - This is actually a reason to APPROVE a modification - at the very least a reinstatement I was not seeking payment relief, I was seeking reinstatement to put this situation behind him. 

At this time, I'm more than able to return to good faith payments and simply wish to put this matter behind me.
Consumer complaint received 2019-03-16
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. (NC)

I have tried on various occasions to have information in my report investigated as per the rules and laws of the FCRA. The Credit bureau have failed to and violated my right when it come to reporting information that is verifiable and accurate. They failed to provide me with names date and method of verification which allows them to keep reporting information on my report. An investigation for the purpose of the law and for accuracy needs to be handle with people and not the XXXX XXXX system. That information needs to be forwarded to me for further investigation.My last attempt was on XX/XX/2019 when i sent supporting documentation from original creditor which conflicts how they say investigation was verified.
Consumer complaint received 2021-09-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

We have corresponded with the CFPB many times about our problems communicating with PHH Mortgage/ Ocwen Loan Service . 

There is contradiction from XXXX who acts for PHH/Ocwen . XXXX XXXX wording in his email XX/XX/2021 you will not receive any response directly from Ocwen Financial Corporation and you are advised that I also act as its attorney. 

There are too any words in Mr.Messingers response to the CFPB that are confusing to us like we have never said what we want. 

I will spell this out clearly.CFPB can you ask XXXX to respond that we understand. Yes we have asked for {$540000.00} I will sit down to meet with PHH/Ocwen talk on the phone zoom whatever way they want to communicate. 

Why talk I disagree that Ocwen did not do any wrong. 
XX/XX/2021 Mr.Messinger wording in his letter I have found no basis upon which PHH/Owen would have an obligation to pay you anything let alone {$540000.00}. 

I will stop this crusade and will except {$350000.00} That is what we want. There it is said clear dont ask again what do we want please. 

I will send a formal letter if needed by PHH/Ocwen . 
I will wait and hopefully XXXX will communicate to the CFPB that we know what XXXX wants. 
If there is no clear response we will take legal action. 

Respectfully to all, XXXX XXXX
Consumer complaint received 2018-02-14
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. (WV)

i have two equifax credit files XXXX XXXX XXXX this is the correct report ( confirmation # XXXX ) XXXX XXXX XXXX incorrect / not valid ( confirmation # XXXX ) with my creditors pulling the XXXX XXXX and not XXXX XXXX. they are unable to use my credit report. 

i do not have a fraud alert anymore. they need to get rid of the XXXX XXXX XXXX XXXX XXXX is the correct report. 
please help confirmation # XXXX is correct confirmation # XXXX is incorrect it is all in my middle name XXXX is the right report XXXX is not
Consumer complaint received 2019-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (NV)

My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX XXXX orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.
Consumer complaint received 2018-02-20
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: CITIBANK, N.A. (OH)

I used my XXXX XXXX XXXX XX/XX/XXXX for an online purchase, and believed I had updated my address at that time. I forgot I made this purchase with this card ( I rarely use it ) and never received a bill. I got a collection call at my primary phone number on XX/XX/XXXX. I was informed they don't abide by mail forward so my statements were returned to them with no attempt to communicate with me, despite them having a valid cell number. I was told on XX/XX/XXXX I would receive a bill in the mail at the correct address. I never did, and when I called back to inquire in XX/XX/XXXX, I was told I have a valid complaint and to fax a letter disputing the interest fees and late charges. I did so. I never received a statement and called to pay the XXXX due on both XX/XX/XXXX and XX/XX/XXXX and was told they couldn't accept payment because the account was in dispute status. I was told I would receive a statement. Never received anything, no statement, no response to my fax letter of dispute. Called XX/XX/XXXX and the balance now has additional late fees and interest charges. My status is " account revoked ''. I want the fees and interest removed - this was XXXX XXXX fault for not forwarding mail, and I want my credit restored and XXXX XXXX to acknowledge their numerous errors..
Consumer complaint received 2022-05-01
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX US DEPT OF EDUCATIONXXXX Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX 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 2019-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (MO)

I have a letter from the hospital that says that all of my medical bills from XXXX are covered by financial assistance that I am not liable for the bills. So I have tried to call the company and try to explain this to them and try to get a fax number for them so that I can send a copy of the letter. The man Ive had to deal with was so rude and started yelling and being extremely ignorant to me and talking to me like I was XXXX. Refused to give me a fax number. When I asked to speak with his supervisor he said there was no one else to talk to and I said transfer me to someone else. He said that there was no one above him and he would not transfer me. He would only refer to himself as XXXX.
Consumer complaint received 2018-02-20
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. (WA)

XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I initiated a XXXX transfer of XXXX to a person. Bank of America processed my charge and sent me a confirmation email saying that the XXXX had been confirmed. The XXXX remained processing the XXXX was inaccessible for me to use. Bank of America did not tell me there was a banking error with XXXX and proceeded to send the money back into my account without my knowledge and then proceeded let processing charges be taken out of that XXXX dollars. On the the XXXX of XXXX that same XXXX transfer was processed without my consent or knowledge sending my account into the negative. There was not notice from Bank of America about the changes to my account.
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (IA)

I have struggled and not made payments do to loss of work and cut hours, I am a XXXX and we were even closed for months and I fell very behind. After being behind I felt like l was forced to enter a new contract with stricter penalties that makes me pay way more for my mortgage. Then went hit with national disaster in my area, tornando came thru, I filed an insurance claim to repair damages since I was missing parts of my roof and they are holding those insurance funds until I comply with payments which is further causing damage to my home that I will have to pay way more for and I don't what I can do. I had to use money for mortgage payment to make minor repairs to save my home.
Consumer complaint received 2019-03-17
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. (FL)

Ive also contacted the companies and they have answered and said they removed the inquiry but transunion is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (GA)

Since XXXX of 2019 this account was place on my credit report I called the company to try to get this remove but couldn't talk to anyone due to identity theft so now the account is a charge off is was written off but it state I still owe XXXX dollars I dispute it with XXXX results came back be accurate that is was my account. I do not getting any bills or emails from them stating that this is my bill this has put a damper on my credit report as a delinquent account and can not get approve for a loan even when my score was a XXXX
Consumer complaint received 2019-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX XXXX XXXX on XX/XX/XXXX to close one of my two credit card accounts with the bank. This account, like all of my accounts, was in good standing ( " current, paid as agreed '' ). The representative accidentally closed the wrong credit  card account. She referred me to XXXX XXXX  AXXXX Credit department, which on XX/XX/XXXX reinstated the improperly closed account. This triggered an erroneous hard credit inquiry from XXXX  XXXX XXXX on XX/XX/XXXX. 

XXXX  XXXX XXXX acknowledged their error and allegedly, over the course of six months, repeatedly attempted to resolve their mistake with TransUnion. After six months, the hard inquiry remained on my credit file. I mailed a formal Request for Investigation to TransUnion on XX/XX/XXXX. I included a detailed description of XXXX XXXX XXXX 's error, and listed dated case reference numbers associated with the bank 's attempts to remove the inquiry from my TransUnion credit file. 

I received Investigation Results from TransUnion on XX/XX/XXXX, stating : " No update necessary '' and showing the good standing of the XXXX XXXX XXXX credit card account I had originally intended to close ( and did close ). They made no attempt to understand or resolve the error with my other account. The erroneous hard inquiry remains on my TransUnion credit file.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-03-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TN)

Hello! We called our mortgage servicer PNC Bank on XX/XX/XXXX and XX/XX/XXXX regarding doing a forbearance as my husband XXXX was currently out of work. We were told by 2 different PNC reps that we were approved to do a forbearance and if we chose to do so it would not be reported to credit bureaus as a late, missed or defaulted payment but it would only be reported that we were in a forbearance. Because of this, we agreed to move forward and do the forbearance. We got a letter saying we were approved. Today, XX/XX/XXXX, we received a letter stating that we had been reported to the credit bureaus negatively for a missed, late or defaulted payment. This is EXACTLY what we were told would NOT happen. We need this corrected IMMEDIATELY.
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I discovered an item on my credit bureau from XXXX XXXX XXXX regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/XXXX I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX dba Cash Central, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.
Consumer complaint received 2022-05-01
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : 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