davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXXI sent a certified letter to XXXX asking XXXX to correct information reported on my credit history. I attempted to resolve the issue with the credit reporting agencies, but they directed me to XXXX ( XXXX acquired the mortgage from XXXX ). 

OnXX/XX/XXXX, I submitted a claim with cfpd due to the delay in responding to my XX/XX/ inquiring. XXXX acknowledged receipt of the XX/XX/XXXXletter, but could not verify the account or information. XXXX 's response attempts to do two things - ( 1 ) debate the validity of my request without verifying information ( they can't find the record ) and ( 2 ) direct responsibility for the  misreported information to XXXX. 

XXXX acquired loans from XXXX and is listed on my credit report ( Attached ). I can't not accept shifting blame to XXXX. Also the Fair Credit Reporting ACT requires a creditor to verify any reported information within 30 days .... according to XXXX 's own letter ( attached ) they were unable to. I am considering legal action regarding their inability to adhere to the FRCA.
Consumer complaint received 2022-07-21
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

XXXX XXXX XXXX, offers me for XXXX XXXX on XX/XX/21, tells me that I sent my bank data from USA, to make the payment, I proceed to send them my BANK OF AMERICA data, but it is not until the day XX/XX/21 that the person confirms that they had already made a deposit and that they had deposited more than the amount, {$6000.00} ( the amount to be canceled was {$2400.00} ), that I verified in the bank, I proceeded to verify in the bank and it was the money available ( in my checking account of BANK OF AMERICA ), not blocked, {$6000.00}, I inform him that there is correctly {$6000.00} as he informed me, he tells me that the difference will please return it to him and he gave me the account numbers in use of BANK OF AMERICA also to return them, I proceeded and returned the surplus, one for transfer {$2500.00} and another for XXXX {$1000.00}, on XX/XX/21 at around XXXX XXXX  the bank sent me an email telling me that I had a balance negative on the account, I log into my account and realize that the deposit is After being withheld, I call the bank and they tell me that a check was deposited and that I must wait until the next day for it to finish clarifying the status of the check. The next day the full deposit that had been made to me of {$6000.00} was reversed. I called the bank again, I explained the situation to them, so that they would please reverse the 2 transactions that I had made for {$3500.00}, they tell me that they will take the scam case and the transactions enter into dispute and that it can take from 10 to 90 business days. On XX/XX/21 I check the deposit through the BANK OF AMERICA online banking and I see that the deposited check is from the XXXX XXXX XXXX  of a company in XXXX called XXXX XXXX XXXX. I looked up their phone number on the internet and called them, asked for an email, and sent them copies of the deposit and the check. So far the company has not responded to me and neither has BANK OF AMERICA XX/XX/21, XXXX XXXX.
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IA)

This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX  hospital, I called and confirmed this with XXXX  Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have had a mortgage with OCWEN for the past ten years. I have had multiple problems with them as they constantly lie and destroy documents. They placed lender insurance once on me charging me XXXX XXXX of dollars in unnecessary additional insurance. I was able to solve the problem once a class action was started against them. Two months ago they suddenly reported me to the credit reporting agency saying that I had missed two payments. I disputed it stating that I was current. They stated that when my loan was transferred from OCWEN to PHH the loan was two months short and that when they audited my account in XX/XX/2019after they acquired the loan. First of all my loan was never transferred to anybody, as OCWEN bought PHH and just changed their name. They are the same company and they have all the records. They sent me a written report which shows that I paid every month, but they claim that regardless of their own report I needed to produce receipts of XXXX and XX/XX/2019 ( 12 months later ) to prove I paid in those months. It looks like they have made a mistake and they refuse to acknowledge such mistake. Since their processing is done abroad in countries where acknowledging a mistake is considered a sin, I believe that somebody has made a mistake and they can not admit they are wrong. 4 years ago an OCWEN insurance processing center in XXXX refused to acknowledge that I had an escrow account with Ocwen, when all the documents proved that I had. It took me then three months to straighten the mess by involving a US based loan manager which launched an internal investigation from the US headquarters into the XXXX office. US borrowers are paying a hefty price for Ocwen 's outsourcing their record keeping to countries where there is no understanding of basic accounting and where they are unable to read documents in XXXX due to their poor knowledge of the language. 
I was able to locate the XXXX receipt from my bank statements, but I can not locate my XXXX receipt because my husband changed its bank and did not keep the paper statement as they were all online. That notwithstanding, their own statement shows that a payment was entered in XXXX and credited it accordingly. This matter came about only in the Fall after my loan was " transferred '' to PHH.

OCWEN has a pattern of falsifying documents in order to defraud customers.They are now using the " transfer '' excuse to claim missing payments when there are none.
Consumer complaint received 2021-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

On XXXX a monthly mortgage payment in the amount of {$490.00} was received, but instead of being applied to a monthly payment it was applied to principle payment. I had to call to have the payment moved to a monthly payment, which now shows held in suspense, they state the payment was applied to a monthly payment, no where on my portal does it show that it was ever applied to a monthly payment. Again on XXXX the same thing occurred, my monthly payment was applied as a principle payment. I spoke with a supervisor on XXXX at XXXX and he had asked how I pay. I stated by check and on the check I specifically state monthly payment only, I also included a letter the 2nd time around stating that this is not to be applied to the principle. The supervisor stated well they just bundle to the checks, they don't even look at the checks. They stated that they will have the payment moved. When asking if I have to call and deal with this every month, they refused to answer. So far nothing has been resolved. This has to do with Freedom Mortgage Corp.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (CA)

unauthorized inquiry for an auto loan. I had a preapprove letter and the XXXX XXXX salesman was to tell me what my monthly payments would be. When he did, I told him now that payments would be too high, and I left. I did not authorize him to do a credit run. All of a sudden after I left, I started getting true id texts. there were 10 Hard inquiries. that's not fair. I did go to a different XXXX place in XXXX XXXX, and I did buy a car there and decided to use a credit union XXXX XXXX. My credit report was run but it had 5 Hard inquiries. I can understand maybe 2 hard inquiries but not 15.
Consumer complaint received 2018-02-12
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. (FL)

XXXX XXXX is reporting under the business name of XXXX XXXX to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. One of the incorrect items is a 30-day late negative mark forXX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with Mini Financial/BMW Financial to my credit report be removed immediately. 

Another issue is that Experian refuses to acknowledge that XXXX XXXX XXXX is also XXXX. 

Additionally, I've send documentation on the above items and more but this credit bureau claims to not receive documentation sent to them on various occasions. This has been extremely frustrating.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am so bewildered about this situation. I've submitted this complaint numerous times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. Transunion is not removing or blocking the account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. AGAIN, I'm attaching the FTC report and the Police Report I filed on my local Police Department for your records. There is an account reporting to Transunion which is fraudulent & I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Once again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}
Consumer complaint received 2022-04-30
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)

Dear CFPB, I sent via USPS twice during the span of 60 days requesting every piece of information on my Credit file be investigated due to inaccurate information and questionable accounts on Transunion Credit report. ( Please see updated attached Credit Report ( s ) dated XX/XX/2022 ) Additionally I called Transunion at XXXX at least twice per week waiting 1to2 hours just for agents to pickup and then the phone would disconnect. I am reporting to CFPB due to the fact it feels like I am getting no where with Transunion, and they are failing to obey consumer rights and law. The FRCA says an " investigation '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. I feel Transunion does not care for people and they treat me bad and it is costing me bad credit and higher interest rates. I have researched Transunion and I see this situation I am going through is the very thing Transunion has been sued for in multiple lawsuits! It is not fair due to Transunion 's negligence and incompetence my credit score should be impacted negatively!! 
Transunion states : " Public Records : XXXX XXXX  XXXX, Reference Number XXXX ; Year of Birth XXXX, Employer ( s ) REAL ESTATES, XXXX XXXX XXXX, and were VERIFIED however purported investigation does not appear to have verified documentation nor proof from any Court nor man or woman. This is not a proper investigation according to the law. The issue to date is mentioned account ( s ) are still not reporting 100 % Accurate and are inaccurate to date. Please take notice pursuant to FRCA 15 USC 1681 every piece of information must be 100 % Accurate on credit report.

List of Accounts in violation are circled in the attachment and you will also find a disparaging letter from Transunion in response to my second notice requesting an investigation and correction of my credit profile sent to Transunion via USPS. In closing I need to remind Transunion moreover, 15 U.S.C 1681 Section 602 A. States I have the right to privacy ; and Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your attention on this matter.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (MO)

The original debit was with XXXX XXXX then sold the debit to National Credit Adjusters. On XX/XX/21 National Credit Adjusters agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX  and XXXX  arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing lates for the month of XX/XX/XXXX to XX/XX/XXXX and in the month of XX/XX/XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} Late/Close
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

This complaint is being filed against PHH Mortgage services as being unreputible company. Four payments were sent to this mortgage company to be applied to principal. None of these payments were cashed or applied to mortgage and they continued to charge daily interest fees. At this time foreclosure was initiated and additional costs and interest fees were added. On XXXX XXXX a letter was received stating mortgage payoff amount if paid by XX/XX/XXXX. On XX/XX/XXXX the full payoff amount was wire transferred to the company. On XX/XX/XXXX, we were advised they were requesting additional charges. At that time, we contacted our lawyer who was assisting in this matter and he advised we file a formal complaint with state and Federal agencies as they were uncooperative with his office as well.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. 

XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. 
Provide physical proof of verification or delete each account permanently. 

Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

First Bankcard has of Speedway gasoline, as a though Masters card offeratory ; has provided services only to the disrepair and disregulartion and not following what I do and did not authorize, last year into the XXXX XXXX XXXX account and an additoinal fee I was issued by XXXX for the cost that on before payment was scheduled, and by three days prior, and which is even before the date my work /SSI checks arrive ; oh they take ; then what is refunded is nothing, and I have {$1000.00} to bank on Bank Fees , and this is done by this wrong acquired mention ; and I want them cut off for sales ; I am XXXX , XXXX XXXX and since XXXX. Sickended by their pre-emptive empty and reaching, out without showing any signs or helping-fulfillment to the safety of the customer /consumers ; therefore, after this issue first unreveled my nerves on wire-wronged ; XXXX ; - XXXX again ; that's then about XXXX in toerated fees and while now I can not pay off the card, quickly wow i surely could have twice over, waited, went -not ; out, much and then on top of all the additional fees, and refusals told to helop ; their result is for a gift another " pre-charging, '' Why in XXXX, now into a ps i love yours ; XXXX is feestering how to compensate one now after they strike again ; The First Bank and called up, more help no help is now with COVID ; here, so out of XXXX a absoutely value of XXXX in fees ; I can't catch, up to to pay them any more this week ; and month maybe, or you can retrace my money venue ; and replay this moment ; I need the safe of FEMA money , invisible for oath and only true minding settlements for which, I will pay as I aid in schedule and responsive ; then I'm needing about {$400000.00} plus to pay off the card, in abuse over my head by their original Luring me to have this discount management ideal in tool ; another {$1000.00}, so that's the {$50000.00} on Speedway Gas/ First Bankcard Jist and thiefing alone. I will not stop until I am minded, heard, and refunded 100 % and more, thank you. Please aid,
Consumer complaint received 2021-06-09
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. (GA)

On XX/XX/2021 I sent a letter to XXXX  informing them that they had incorrect information listed as my name and Address. 

on XX/XX/2021 I sent a second letter as I have received no response and the information is still listed incorrectly