davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

onXXXX i sent letters to experian, XXXX and XXXX  disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXX post on a credit report. Otherwise anyone paying for experian, XXXX and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report these account listed below on my consumer report. 
experian, XXXX and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt experian, XXXX  and XXXX  must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXXXXXX Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/XXXX XXXX
Consumer complaint received 2022-03-31
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I RECEIVED NUMEROUS LETTERS STATING I OWED ON A DEBT I HAD PAID IN FULL OVER A YEAR AGO TO THE DEBT COLLECTOR. IN REVIEWING THE NOTICES I ALSO NOTICED THE AMOUNT IS DIFFERENT THAN WHAT I INITALLY PAID. THE NOTICE SAYS XXXX I PAID XXXX I CALLED PORTFOLIO AND COULD NOT GET AN ANSWER FOR THE LETTERS OR THE DECREPENCY IN THE AMOUNTS. ALSO ONE OF THEIR REPS STATED HE SAW AN OVERPAYMENT WHICH I NEVER RECEIVED AS WELL.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (SC)

I am late on a payment and it is not even a month late. This creditor has been harassing me multiple times a day over the last two weeks from different numbers. I get paid on Friday and I have usually never been late in payment but under these circumstances this is ridiculous.
Consumer complaint received 2017-10-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX  The last payment was made in the amount of XXXX  on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX  XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX  XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.
Consumer complaint received 2021-07-06
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. (NY)

On XXXX noticed unauthorized inquiry on my report. I immediately called transunion and they did not delete. This is causing me stress as I am applying for a mortgage. Please delete immediately.
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

I spoke to Dynamic collection agency on XXXX XXXX XXXX. I called the previous collection agency to obtain Dynamic collections information due to not receiving any notification that they had obtained my debt. Once I had their information I called them to settle my account. They would not accept my settlement, however, they proceeded to treat me very poorly including commenting on ability to pay in a disparaging way. I was over talked for much of the conversation along with the rude remarks that were made. I tried to explain that I had not received any communication in written form.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I disputing that the Public Record Information is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-11-20
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: ACS Education Services (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX ACS
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

GMAC Mortgage is who I originally took a mortgage out on this on at XXXX XXXX XXXX XXXX, XXXX, Ohio. Unfortunately after several years with a down market ( I 'm XXXX ), became XXXX, and on top of everything else, my husband abandoned my family and I. I worked closely with GMAC and after several months they issued a loan modification on the property, the problem was, was that once I received the documentation, neither the interest rate, the costs associated with the loan modification, nor the monthly payment was as I was promised. I called, and called and called and emailed and sent faxes to their loan department, and loan servicing department to no avail. At one point, I was able to get into another department 's extension, and spoke with a representative who at the time, told me that my loan was one of many which was in question as to how the modification process and the loan modification itself was processed and prepared, and that someone would be getting back to me on the matter soon. After several years, no one returned a call, no one returned my emails, nor my faxes and letters, I even kept the yard work up at the home, unfortunately the home is located in a high crime community, and vandals continued to break in, stole the hvac system, the electric panel, the hotwater tank, furnace, etc., but I felt it was my responsibility to take care of the property, keeping the grass cut, weeds down, etc., because I still wanted to keep my home. on XXXX XXXX, 2015, I received a letter by regular mail that my home was going to Sheriff Sale, by another bank/owner which appears to be a group of investors? No one phoned, called or discussed any changes in the mortgage co., nor servicing, and I feel this is desperately wrong, especially since I made every attempt possible to retain my home, I even sent photos of the condition of the home by photograph to GMAC to let them know I was still taking care of the home, and that I actually on several occasions boarded up the home with the hopes to offset the further attempts by vandals to destroy the home anymore, I am just please asking is this right, that they give me a fraudulent loan modification, they apparently sale the home or servicing/mortgage, and no one ever informed me, nor contacted me until just within the past few days indicating the property was going to sheriff sale. Please advise, and may God Bless you, sincerely yours, XXXX XXXX - XXXX
Consumer complaint received 2022-10-06
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/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 an account without my written instructions.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX XXXX was taken out of account a XXXX transaction that was not authorized, through Bank of America. The transaction was done by XXXX logistical services have no idea who that
Consumer complaint received 2021-10-05
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. (TX)

XXXX XXXX, XXXX, and TransUnion has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

onXXXX i sent letters to XXXX XXXX and equifax disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX XXXX and equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX XXXX and equifax post on a credit report. Otherwise anyone paying for XXXX, XXXX and equifax reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and equifax to report these account listed below on my consumer report. 
XXXX, XXXX and equifax did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX XXXX  and equifax must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX Account Number : # # # # # # XXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of XXXX XXXX so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXX  Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XXXX XXXX or XXXX XXXX XXXX
Consumer complaint received 2021-09-10
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent account that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-06-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (OH)

Check n Go charged off the amount of XXXX on account # XXXX on XX/XX/2015. XXXX was assigned the loan to collect on the debt I paid XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX rep XXXX XXXX the final payment on XX/XX/2015 and received a paid in full letter. I call Check n Go advised them of the payment but I received a call from XXXX XXXX XXXX XXXX trying to collect on the debt again.
Consumer complaint received 2017-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Navient granted me forebearance several times due to my hardship caused by hurricanes and loss of employment. They also refused to accept a full loan payoff five years ago, and have refused to provide records and communicate by mail. I lost my records in hurricanes that took place in XX/XX/XXXX & XX/XX/XXXX. My account is paid up to date, but due to Navient raising the interest rates I still owe {$3200.00}, but the loan is now over 20 years old, I am a senior citizen living on social security. I believe that due to the raising of the interest rates that I have overpaid by thousands of dollars the original amount owed. Navient is not treating me well, I have tried to resolve the issues but I feel I have been taken advantage of by Navient, and they are not treating me legally or ethically in regard to how much I have been required to pay to satisfy my original obligations.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OR)

I found a collection on my credit report, from Sunrise Credit Services, for XXXX XXXX XXXX XXXX. I have an account with XXXX XXXX XXXX, but have never missed a payment, or been late, and I certainly never owed them {$1400.00}. I called XXXX XXXX XXXX, who tell me they have no record of this action. I filed a dispute with XXXX  ( the only credit reporting agency that shows this collection ), and they said they contacted Sunrise, and were assured it was legitimate. ( I have filed a second dispute with XXXX. ) I called Sunrise, and explained that I did not incur this debt. They told me the address they had on file for me, which was not my address, had never been my address, and that I didn't recognize. They told me they would send me a dispute packet, that I was to fill out and return to then. I have not received a packet. ( I have requested they re-send the packet. ) Due to this fraudulent activity, and the resulting collection, I am unable to perform credit-related activity. What is the next step I can take to remove this fraudulent activity from my credit report? ( Preferably before it infiltrates my other credit reports. ) Thank you.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Onity Group Inc. (TN)

XXXX, the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed, the refuse to send me my original estimate
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I currently have my mortgage with Ocwen. I have requested via telephone numerous times a monthly billing statement, to date I have not received that. This has been going on for almost two years. I get the same response " We will mail it to you ''. As stated, it has been almost two years and I have not received anything. I would like to receive monthly statements, as I did in the past, I have been with this mortgage company on and off since 1997 and this has been the worse customer service in the world. I am in need of some resolution. It is apparent that they do not care about their customers. Very poor customer service.
Consumer complaint received 2021-07-06
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. (GA)

I want to complain officially as these accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Please check these accounts and try to remove them. This is the biggest error in reporting, I can not believe still.