davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

Our original mortgage was through Another company and then was sold to PHH Mortgage. When we closed on the original mortgage we did not have to include PMI because the loan to value ratio was below 80 %. However, once the loan was sold to PHH Mortgage they began paying PMI out of our escrow in the amount of {$160.00}. We tried resolving this with PHH, who originally told us it would be resolved in 3-5 business days. This has now been going on for over a month. They told us that they found an internal company memo that said the loan required PMI. The final closing documents clearly stated PMI was not required. We have proven this to them and they admitted that they should not have paid this out of our escrow, but their proposed solution was to refund us {$19.00} instead of the full {$160.00}. They can not explain why we should not be refunded the entire amount. If your mortgage is being serviced by PHH I suggest you read your statements carefully because I have a feeling they are doing these types of things to many people who just arent paying close enough attention.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2021-09-19
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. (TX)

SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.
Consumer complaint received 2017-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (TN)

On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Upon reviewing my credit profile I found a company, Portfolio Recovery Associates listed on it. I DO NOT recognize this debt or the amount they claim I owe and therefore, I immediately sent that company a debt validation letter on XX/XX/2021. Because I sent the letter certified, I am able to see that they did receive it on XX/XX/2021. They mailed me back a copy of a statement balance showing NO ORIGINAL INSTRUMENT OF INDEBTNESS such as an original signed contract, a balance sheet from {$0.00}, or the terms and conditions of the alleged debt. 

I mailed a 2nd Validation letter to the collection company, Portfolio Recovery Associates, yet again asking them to validate the debt and they responded with the same documentation.

This is defamatory to my credit profile and the lenders that may potential view this as negative. Additionally, this is against the FCRA to continue to report UNVALIDATED debt on my credit.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc. (MD)

Upon viewing my credit reports I notice a negative mark from the following compan y, American Collections listed on my credit report as a debt owed. I have never been in contact
with anyone about this allege debt. My consumer rights to dispute this allege debt has been violated. Which puts the company American Collections in Violation of the FDCPA 15 USC 1692 for numerous of Violations. 

Due to American Collections violating the FDCPA and my consumers rights the company and its employees has caused me irreparable harm and defamation. Which will follow with a tort claim. 

For the record, I do not have a contract with this company American Collections, I have never received funds from this company, nor have I ever gave this company consent to have access about my personal information or to use my identity to try and gain profits. 

American Collections is in violation of the HIPPA Privacy Rules and breach Confidentially. This Company did not provide me a HIPPA Release that I gave them any consent about my health or other personal Information.
This company is again in violation of the FDCPA and HIPPA Laws and caused me a great amount of damage.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

I filed a dispute with equifax about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!
Consumer complaint received 2021-01-25
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN MY THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINR I am writing to request and initiate a formal complaint against XXXXXXXX TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}
Consumer complaint received 2021-08-14
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. (AL)

I reviewed my credit reports form XXXX  and Transunion and they are reporting accounts that violates my federal rights as a consumer. I sent them a letter addressing these accounts to bring it to their attention. They have not responded to my letter and still have the accounts reporting on my credit report. This situation is frustrating me and causing a tremendous amount of stress in my life. First, I did not give the my written consent to report the accountspursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy by sending my personal information to data furnishing companies that I also DID NOT give my written consent to have pursuant to 15 USC 1681a ( 4 ). Using my personal information without my consent is identity theft and is punishable under federal law pursuant to 15 USC 1681n.
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : US SM BUS ADMIN ODAXXXX 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 2017-09-15
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. (SC)

Experian reported the recent data breach involving millions of Americans. I went to their below website to see if I was affected. URL : https : //www.experian.comXXXX XXXX XXXX XXXX I submitted my email address and waited for their reply email as requested. It has now been three days and no reply. Today I signed up for free with Experian to contact them as I could not find any number or email. There is no email contact I could find. I found their number of XXXX. I was on hold for 13 minutes with no indication of how much longer I would be on hold. I gave up. They make it difficult to contact them.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 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 2021-05-24
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. (VA)

XXXX  's Credit Bureau XXXX/XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX  -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

Equifax Credit Bureau EQUIFAX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX  and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX {$620.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-11-28
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. (IL)

I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. 

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (NC)

Hi my name is XXXX XXXX. I bank with bbt XXXX NC. My savings account was overdrawn by almost XXXX dollars. Well my XXXX check went in on XXXX XXXX next morning my card was XXXX. I called the bank the lady said she would unfreeze it ok cool.well.well the next day they took the XXXX and left me with almost nothing. My check was for XXXX. She did n't say there was a possibility there going to take that amount. Now I ca n't make my house payment. At least waive the fees or take half this month and the rest next month. Or split the difference all together. Thanks, very concerned citizen. XXXX XXXX
Consumer complaint received 2022-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

My employment certification hasn't been updated, processed, or corrected since XX/XX/XXXX though I have submitted the PSLF form several times and been asked to resubmit due to missing information ( that was not missing ). The last time I submitted this form was XX/XX/XXXX. I have called and been told that no employment would be certified until repayment starts which is false since that has already happened and nowhere in Fed Loan Servicing 's literature is such a claim stated.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

SINCE XXXX, CONVERGENT OUTSOURCI INCORRECTLY REPORTING AN A DEBT AND INACCURATE OPENED DATE OF XX/XX/XXXX AND UPDATED AGAIN ON XXXX XXXX. 

I HAVE DISPUTED THIS DEBT AND ASKED FOR VALIDATIONS OF THIS UNKNOWN ENTRY WITH THE RETURN REPLY '' BECAUSE THEY SAY SO ''! 

THIS ABOVE AGENCY HAS REPEATEDLY HARASSED MY CREDIT REPORT IN SOME CASES CHANGING THEIR NAME TO CONTINUOUSLY REPORT THIS IRRONIOUS CHARGE, DELIBERATELY DAMAGING MY CREDIT SCORE. 

THIS NEEDS TO STOP IMMEDIATELY WITHOUT FURTHER DELAY!
Consumer complaint received 2021-07-03
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. (GA)

I filed a dispute with Experian to address this issue, case # XXXX and they sent me a notification claiming to have fixed it. However, they have not addressed the issue at all and more false information is present on my credit report.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America randomly closed my account. Never sent an explanation. While trying to be added to my wifes account months later I was Told it was closed because of fraud. Theyve investigated and seen there were no prove to their allegations but I am Still receiving negative feedback when applying for bank accounts!
Consumer complaint received 2021-09-19
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. (MD)

I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.
Consumer complaint received 2020-03-05
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!
Consumer complaint received 2023-02-08
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-08-14
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 — Problem with personal statement of dispute
Company: CMRE Financial Services, Inc. (PA)

A collection balance from the company XXXX XXXX was opened on XX/XX/2017 for the amount of XXXX. At this time I had insurance with the Company XXXX XXXX XXXX XXXX XXXX ( which is now involved in a class action suit ). This imaging was 'In-network ' and covered under my insurance policy. However, XXXX did not bill under said policy although they were provided all of my information ( insurance card, policy etc. ). I am seeking to have this removed due to XXXX 's negligence to accurately bill through the insurance company,
Consumer complaint received 2021-03-26
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. (OH)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.